Earn unlimited
cash back1
with zero
annual fee2
Welcome Bonus: Earn $35 cash back upon account opening.3
A credit card with cash rewards you can count on. Enjoy unlimited 3% cash back at Walmart (5% cash back for Walmart+ members), in-store and online. Plus, earn 3% cash back on all other purchases for your first 90 days upon account opening! Limited time offer, apply between 9/2-12/31. 9 After the bonus term, earn 1.5% cash back on every day purchases.
See if you pre‑qualify with no impact to your credit score
If you don't pre-qualify for a CashRewards Credit Card, you'll be considered for the Walmart Spend Card, which has no standard cash back program.
If you like cash back,
you’ll love our
CashRewards Card
5% cash back
Walmart+ members earn unlimited 5% cash back at Walmart, non-members earn 3% cash back.1
3% cash back
Earn 3% cash back on all other purchases for your first 90 days upon account opening. Limited time offer, apply between 9/2-12/31.9
1.5% cash back
After your first 90 days, earn 1.5% cash back everywhere else.1
How to earn cash back on everyday spending
- ShopShop with your OnePay CashRewards Card
anywhere Mastercard is accepted. - EarnEarn OnePay Points on every purchase.
- RedeemRedeem points for cash back when you bank
through OnePay or as a statement credit.⁴
The CashRewards Card offers more than cash back
Spending Insights
Smarter spending starts here. Get insights about your everyday credit card spending habits right in the OnePay app.
Made with security
in mindLock your credit card if it's lost or stolen in just a few taps in the OnePay app.5
Free credit score
OnePay Credit Score is your go-to for real time updates and deeper insights, right in the OnePay app.
Contactless at Walmart
With OnePay Wallet, pay with your phone and check out faster at Walmart.
Bonus Rewards
Keep an eye out for OnePay Boosts. Limited-time offers for extra cash back and other perks, right in the OnePay app.
World Mastercard
offers even more
perks and benefits6
Welcome bonus:
Feel the love with $35 cash back
Designed for everyday shopping
Experience credit with no annual fee.2 For use exclusively at Walmart.
See if you pre‑qualify with no impact to your credit score
Frequently asked questions
The OnePay CashRewards Card is a credit card with zero annual fee that earns unlimited 3% cash back at Walmart (and 5% cash back for Walmart+ members). It also earns 1.5% cash back on all other purchases, everywhere Mastercard is accepted.
No. It will not impact your credit score.
You can use your OnePay CashRewards Card anywhere Mastercard is accepted, as soon as you are approved.
You’ll earn your welcome bonus when you apply and are approved for a OnePay CashRewards Card or OnePay Walmart Spend Card. This intro bonus is awarded as OnePay Points, which you can redeem into a OnePay deposit account for cash back or as a statement credit.
The OnePay Walmart Spend Card is a credit card that can only be used at Walmart and Walmart.com. When you apply for a OnePay Card, you will first be considered for the OnePay CashRewards Card; if you do not qualify for a OnePay CashRewards Card, you will be considered for a OnePay Walmart Spend Card.
The Walmart Spend Card does not have a standard rewards structure, but OnePay provides Walmart Spend Card customers with limited time offers to earn OnePay Points.
Each time you make a purchase with your OnePay CashRewards Card, you’ll earn OnePay Points you can redeem for cash back when you bank through OnePay or as a statement credit.4
As part of the OnePay Rewards program, CashRewards cardholders can also earn points through OnePay Boosts — limited-time offers on top of everyday earning to help you earn even more points, anywhere Mastercard is accepted.
There's no limit on how much you can earn overall. Some individual OnePay Rewards may have their own limits, but you can keep earning through everyday purchases and OnePay Boosts.
Discover more
Build credit with every swipe with your Builder Card.7 Plus, cash back, Early Pay,8 high-yield Savings, and more.
The digital wallet that offers rewards at Walmart.