OnePay (Walmart) Cash Back Card

Built for regular Walmart shoppers through the OnePay app, with elevated cash back on Walmart purchases and a base rate on everyday spend, no annual fee. The honest caveat as of 2026: the program is newer and app-centric, so if you don't shop Walmart often or dislike managing a card inside an app, a general 2% card is simpler and pays more broadly. Best value comes from in-store and Walmart.com purchases. Confirm the current earn rates and any account requirements on onepay.com.

OnePay (Walmart) Cash Back Card at a glance

Rewards & perks

• Extra back on what you spend at Walmart
• Handled through the OnePay app
• No annual fee

Pros

• No annual fee
• A good fit for regular Walmart shoppers
• Managed from the app

Cons

• Pays off mainly at Walmart
• The program's terms are still changing

Who should apply

• Credit in the fair-to-good range
• A OnePay app account

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Walmart / OnePay site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.