OnePay (Walmart) Cash Back Card
Best for: Frequent Walmart shoppers comfortable with an app-based card
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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
| Issuer | Walmart / OnePay |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Rewards rate | Elevated cash back on Walmart purchases (in store, online & fuel) plus a base rate elsewhere |
| Welcome bonus | Promotional cash back for new members |
| Intro APR | None |
| Regular APR | Varies |
| Foreign transaction fee | Varies |
| Credit needed | Fair to Good (640+) |
| Airport lounge access | No |
| Best for | Frequent Walmart shoppers comfortable with an app-based card |
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.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Walmart / OnePayOnePay Walmart Cash Back 5239 9412 6526 0689 VALID THRU 05/29TAYLOR REED OnePay (Walmart) Cash Back CardFrequent Walmart shoppers comfortable with an app-based card |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus… | None | Varies | Fair to Good (640+) | |
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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