OnePay CashRewards Card | Credit card that earns unlimited cash back

OnePay is a fintech, not a bank. Banking services are provided by our bank partners.

Earn unlimited cash back​1 with zero annual fee​2

Welcome Bonus: Get $35 cash back upon account opening​3

If you do not pre-qualify for the OnePay CashRewards Card, you will be considered for a OnePay Walmart Spend Card, which does not have a standard cash back program.

Introducing 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, rack up 1.5% cash back on everyday purchases, everywhere Mastercard® is accepted while saying goodbye to annual fees.

See if you pre‑qualify with no impact to your credit score

If you like cash back, you’ll love CashRewards

Walmart+ members earn unlimited 5% cash back at Walmart, online and in-store.​1

Non-members earn unlimited 3% cash back at Walmart, online and in-store.​1

Earn unlimited 1.5% cash back on all other purchases — anywhere Mastercard is accepted.​1

If you like cash back, you’ll love CashRewards

Walmart+ members earn unlimited 5% cash back at Walmart, online and in-store.​1

Non-members earn unlimited 3% cash back at Walmart, online and in-store.​1

Every OnePay CashRewards cardholder earns unlimited 1.5% cash back on all other purchases.​1

How to earn cash back on everyday spending

Shop with your OnePay CashRewards Card anywhere Mastercard is accepted

Earn OnePay points on every purchase

Redeem 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.

Made with security in mind

Lock your credit card if it's lost or stolen in just a few taps.​5

Free credit score

OnePay Credit Score is your go-to for real-time updates and deeper insights.

Contactless at Walmart

With OnePay Wallet, pay with your phone and enjoy faster checkouts at Walmart.

World Mastercard offers even more perks and benefits​6

Experience an exciting world of rewards and benefits powered by the global Mastercard Network.

Welcome bonus: Feel the love with $35 cash back​3

Upon account opening.

Designed for everyday shopping

If you do not qualify for a OnePay CashRewards Card, you will be considered for a OnePay Walmart Spend Card.

Experience credit with no annual fee.2 For use exclusively at Walmart.

Frequently asked questions

What is the OnePay CashRewards Card?
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.

Will seeing if I pre-qualify impact my credit score?
No. It will not impact my credit score.

Where can I use my OnePay CashRewards Card?
You can use your OnePay CashRewards Card anywhere Mastercard is accepted, as soon as you are approved.

How do I earn my welcome bonus?
You’ll earn your welcome bonus when you open a OnePay CashRewards Card or OnePay Walmart Spend Card. This intro offer is awarded as points, which you can redeem into a OnePay deposit account or as a statement credit.

What is the OnePay Walmart Spend Card?
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. You may not apply for the Walmart Spend Card directly.

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.

How do I earn cash back with the OnePay CashRewards Card?
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 credit4