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# 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

- 5% cash back

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

- 3% cash back

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

- 1.5% cash back

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

### If you like cash back, you’ll love CashRewards

-  5% cash back

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

-  3% cash back

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

-  1.5% cash back

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

## How to earn cash back on everyday spending

- Shop

Shop with your OnePay CashRewards Card anywhere Mastercard is accepted

- Earn

Earn OnePay points on every purchase

- Redeem

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