OnePay CashRewards Card
Best for: Walmart+ members who shop Walmart often
Pros
- Unlimited 5% at Walmart with Walmart+
- No annual fee
- 1.5% everywhere else
Cons
- Top rate requires Walmart+ ($98/yr)
- Small welcome offer
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (September 8, 2025). Walmart's new credit card program after it split with Capital One, launched in September 2025 via fintech OnePay and Synchrony.
OnePay CashRewards Card at a glance
| Issuer | Synchrony Bank (OnePay/Walmart) |
| Card network | Mastercard |
| Annual fee | None |
| Rewards rate | 5% at Walmart for Walmart+ members (3% otherwise); 1.5% on other purchases |
| Welcome bonus | $35 cash back after $75 spend in first 30 days |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | See issuer |
| Credit needed | See issuer |
| Best for | Walmart+ members who shop Walmart often |
Key features
- Replaces the discontinued Capital One Walmart Rewards Mastercard
- Offered as a store card and a Mastercard version
- Managed in the OnePay app
Pros
- Unlimited 5% at Walmart with Walmart+
- No annual fee
- 1.5% everywhere else
Cons
- Top rate requires Walmart+ ($98/yr)
- Small welcome offer
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the official Synchrony Bank (OnePay/Walmart) site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: thepointsguy.com · upgradedpoints.com
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Synchrony Bank (OnePay/Walmart)OnePay CashRewards 5419 7567 4092 8995 VALID THRU 08/31AVERY PATEL OnePay CashRewards CardWalmart+ members who shop Walmart often |
None | 5% at Walmart for Walmart+ members (3% otherwise); 1.5% on other purch… | None | See issuer | See issuer | — |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) |
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