OnePayTM
Rewards
Earn and redeem OnePay Points for cash back and more with our rewards program.
How to earn OnePay Points
OnePay Points are earned through the OnePay Rewards program. Earn points when you shop at Walmart and other top brands with your CashRewards Card, debit, or Builder Card. Keep an eye out in the app for limited-time offers to earn even more points.
How to use your
OnePay Points
You’ve got options when it comes to your points.1
Cash back
You can redeem points for cash back into a OnePay deposit account.
Buy crypto
Redeem your points into a OnePay deposit account and seamlessly use those funds to purchase crypto.*
Statement credit
Apply your points as a statement credit towards your OnePay CashRewards Card or OnePay Walmart Spend Card.
Invest in stocks
Redeem your points into a OnePay deposit account and seamlessly use those funds to purchase stocks.**
Ways to earn with the OnePay CashRewards Card
Credit Card
Unlimited 5% cash back at Walmart with Walmart+2
Earn on groceries, gas, prescriptions, dining, and more — in-store, on Walmart.com, and at Walmart Fuel Stations. Learn more about Walmart+ member benefits.
Unlimited 3% cash back at Walmart without Walmart+2
Earn on groceries, gas, prescriptions, dining, and more — in-store, on Walmart.com, and at Walmart Fuel Stations.
Unlimited 1.5% cash back on all other credit card purchases2
Anywhere else Mastercard is accepted. Does not include Walmart purchases, which already earn 3% or 5% cash back.
OnePay Boosts
Keep an eye out for limited-time Boosts to earn extra OnePay Points or take advantage of other special offers and benefits.
Ways to earn when you bank through OnePay
Builder Card
Earn 3% cash back on Walmart, gas, or dining each month
At the start of the month, open the OnePay app and choose to earn 3% cash back on Walmart, gas, or dining (on up to $150 spent/month).3
Gas Rewards
Earn an average of 10¢/gallon cash back on gas.4 Already a OnePay customer? See participating gas stations near you here.
Shopping brands you love
Earn OnePay Points on select brands when you use your debit or Builder Card.1 If you already bank through OnePay, see the latest offers here.
OnePay Boosts
Keep an eye out for limited-time Boosts to earn extra OnePay Points or take advantage of special rewards and benefits.
Ways to earn with OnePay Wallet
FYI: You only need to link a debit or credit card to use Wallet, but you do need to bank through OnePay to redeem your points for cash back.
Welcome bonus offer
New customers can earn $10 cash back when they spend $10 or more in-store at Walmart or on Walmart.com.5
Available only to new customers who sign up directly with OnePay Wallet.Everyday rewards at Walmart
Earn 1 OnePay Point per $10 spent at Walmart when you pay with Wallet.6
Gas Rewards
Earn an average of 10¢/gallon cash back on gas. Just swipe, insert, or tap your physical card to earn.4 Already a OnePay customer? See participating gas stations near you.
OnePay Boosts
Keep an eye out for limited-time Boosts to earn extra OnePay Points or take advantage of special rewards and benefits.
Join the millions of customers
banking through OnePay
OnePay™ is a financial technology company, not a bank.
Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
Frequently asked questions
To start earning points with OnePay Rewards, you must bank through OnePay or have OnePay Wallet or a OnePay CashRewards Card, or a OnePay Walmart Spend Card. You can get started by downloading the app here, or explore your options:
Banking through OnePay: Check out more info.
OnePay Wallet: Check out more info on OnePay Wallet.
OnePay CashRewards Card: Check out more info on the CashRewards Card.
There are lots of ways to use your OnePay Points:
Redeem them for cash back when you bank through OnePay
Apply them as a statement credit towards your OnePay CashRewards Card or OnePay Walmart Spend Card
Use your redeemed cash back to buy crypto with OnePay Crypto* or invest in stocks with OnePay Invest**
Please note that if you’re a Wallet customer, OnePay CashRewards Card holder, or OnePay Walmart Spend Card holder, you can earn points without banking through OnePay, but you’ll need to do so in order to redeem those points for cash back.
Boosts are limited-time opportunities to earn more OnePay Points or take advantage of special rewards and benefits. Be sure to check the OnePay app to see if you have a Boost!
If you bank through OnePay and have chosen Walmart as your cash back category for the month, for your OnePay debit or Builder Card you'll earn 3 OnePay Points (on up to $150 spent per month) for every $1 spent at Walmart, and then 1 point for every $10 spent at Walmart once you’ve reached the $150 monthly cap.3
If you're a Wallet customer, you’ll earn 1 point for every $10 spent at Walmart.6
If you’re a OnePay CashRewards Card holder with a Walmart+ membership, you’ll earn 5 OnePay Points for every $1 spent at Walmart.2 If you’re a OnePay CashRewards Card holder without a Walmart+ membership, you’ll earn 3 OnePay Points for every $1 spent at Walmart.2
If you’re a OnePay Walmart Spend Card holder, look out for limited time opportunities to earn OnePay Points.
The following products are eligible for OnePay Points:
OnePay debit or Builder Card
OnePay Wallet
OnePay CashRewards Card
OnePay Walmart Spend Card
Please note that if you’re a Wallet customer, OnePay CashRewards Card holder, or OnePay Walmart Spend Card holder, you can earn points without banking through OnePay, but you’ll need to do so in order to redeem those points for cash back.
Discover more
Build credit with every swipe with your Builder Card.7 Plus, cash back, Early Pay8, High-Yield Savings, and more.
The simple way to stay up-to-date on your credit, for free.