What is the OnePay Credit Card?#

OnePay offers two credit cards in partnership with Synchrony. The CashRewards Card can be used anywhere Mastercard is accepted, while the Walmart Spend Card is limited to purchases at Walmart. Consumers can apply online at Walmart.com, the Walmart app, or in Walmart stores.

Who is Synchrony?#

OnePay has partnered with Synchrony Bank to offer credit cards. Synchrony is a trusted provider of consumer credit products, handling application review, approvals, account servicing, payments, and customer support.

What types of credit cards are offered?#

If you apply, you'll be considered for the CashRewards Card. Based on your creditworthiness, you may be approved for the CashRewards Card, the Walmart Spend Card, or your application may be declined.

What are the differences between the CashRewards Card and the Walmart Spend Card?#

The OnePay Credit Card program includes two card types, each with its own benefits:

• CashRewards Card

  • Can be used anywhere Mastercard is accepted

  • Offers cash back rewards in the form of OnePay Points:

    • 5% back at Walmart with a linked Walmart+ membership¹

    • 3% back at Walmart without a linked Walmart+ membership¹

    • 1.5% back everywhere else Mastercard is accepted

  • Points can be redeemed for cash back to a OnePay Cash account or other available options

• Walmart Spend Card

  • Can only be used at Walmart (in-store and online)

  • Does not include a rewards program

All cards are issued by Synchrony Bank, and are subject to credit approval. For more information on cash back rewards, see the OnePay Rewards Terms.

Is the OnePay Credit Card replacing a previous Walmart credit card?#

No. The OnePay Credit Card is a new product offered in partnership with Synchrony Bank. It’s not associated with any previous Walmart credit cards.

Is there an annual fee for the OnePay Credit Card?#

No, there is no annual fee for either the CashRewards Card or the Walmart Spend Card. See rates, fees, and other cost information. 

Are there any late fees for the OnePay Credit Card?#

Yes. A late fee may apply if your minimum payment is not received by 11:59 PM ET on the due date. The exact fee amount will be outlined in your cardholder agreement.

Is there an interest-free grace period for the OnePay Credit Card?#

Yes. You won’t be charged interest if you pay your full statement balance by the due date each month. This is known as the standard interest grace policy. 

What is the APR for the OnePay Credit Card?#

Your purchase APR is based on a fixed amount plus the Prime Rate and will be determined during the application process.

Are there any international transaction fees for the OnePay Credit Card?#

No foreign transaction fee is charged. Non-USD transactions are converted to U.S. dollars using exchange rates from the transaction or processing date.