Walmart OnePay CashRewards
- Annual Fee
- $0
- cash back · Welcome Bonus
- $35
- Highest rate (conditional)
- Up to 5% (Walmart)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good
Welcome Offer
Bonus: $35 cash back
Earning Rates
- 5%
Walmart
Earn unlimited 5% cash back at Walmart as a Walmart+ member - 3% cash back at Walmart for everyone else.
- 1.5%
All Other
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $35 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 20.24%–30.74% (Variable) |
| Cash Advance APR | 22.24%–32.24% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Synchrony Financial | Synchrony Financial: Multiple card facts |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
