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

OnePay​TM 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. Keep an eye out 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, 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, and more — in-store, on Walmart.com, and at Walmart Fuel Stations.

- Unlimited 1.5% cash back on all other purchases ​2

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

- Pick your cash back category each month

At the start of the month, open the OnePay app and choose to earn on Walmart, gas, or dining. Earn 1 point per $10 spent with your OnePay debit or Builder Card.​​3

- Level up to 3% cash back

With Banking+, earn 3% cash back (on up to $150 spent/month) on your selected category for the rest of the month.​​4

- Shopping select brands

Earn OnePay Points on select brands.​​1 If you already bank through OnePay, see the latest offers here.

- Gas Rewards

Earn an average of 10¢/gallon cash back on gas.​5 If you already bank through OnePay, see participating gas stations near you 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 don’t need to bank through OnePay to use Wallet, but you do need to in order to redeem your points for cash back.

• Welcome bonus offer

New customers can earn $10 cash back when they spend $5 or more in-store at Walmart or on Walmart.com.​6 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.​7

• Gas Rewards

Earn an average of 10¢/gallon cash back on gas. Just swipe, insert, or tap your physical card to earn.​5 If you’re already a Wallet customer, see participating gas stations near you here.

• 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

What OnePay products earn OnePay Points?

To start earning OnePay Points, you must bank through OnePay or have OnePay Wallet, a OnePay CashRewards Card, or a OnePay Walmart Spend Card. You can get started by downloading the app here.

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.