Review of the OnePay CashRewards Card: Complete information

OnePay CashRewards Card Overview

The OnePay CashRewards Card is particularly appealing for those who often shop at Walmart. It has no annual fee and offers unlimited cashback on Walmart purchases, plus 1.5% on everything else. Even if you’re not a regular Walmart shopper, this card could still be a worthwhile addition to your wallet. Card rating*: ⭐⭐⭐

*Card rating This rating reflects the views of TPG editors and isn’t influenced by the card issuer.

While there’s no annual fee, having a Walmart+ Membership is key to maximize your cashback rate—5% on Walmart purchases. For everything else, you still earn a decent 1.5%, making it a solid pick for everyday use.

It’s advisable to have a credit score above fair to get this card.

Now, let’s explore the essentials of this interesting cashback card.

Details about the OnePay CashRewards cards are gathered independently by TPG and have not been reviewed or provided by the card issuer.

Pros and Cons of OnePay Cash Rewards Card

OnePay CashRewards Card Welcome Offer

New users can earn $35 in cashback after spending $75 within the first 30 days of getting the card.

This welcome bonus is, well, not the most exciting compared to other cashback cards, but still a nice perk considering the low spending threshold.

OnePay CashRewards Card Benefits

The OnePay CashRewards card stands out thanks to its lack of an annual fee, offering a unique appeal. Once you’re approved, you can start using your card right away through the OnePay and Walmart apps for instant access.

Another bonus? It has no foreign transaction fees, which is relatively rare among cards without annual fees. So, that’s definitely a plus.

The main attraction here is still the cashback rate, but you’ll need a Walmart+ membership to get the most out of it.

Earn and Redeem Rewards with OnePay CashRewards Card

Earning cashback is straightforward:

• Walmart+ members earn 5% on purchases (both online and in-store), while non-members get 3%
• 1.5% cashback on all other purchases, regardless of membership status

Your cashback comes in the form of OnePay points. You can redeem these points either as a statement credit or through a OnePay Cash Account.

Additionally, funds can be put into your OnePay Savings account, which accrues up to 3.75% annual yield for balances of up to $250,000.

Which Cards Compete with OnePay CashRewards Cards?

This card is great for Walmart aficionados and those seeking a straightforward cashback option. Still, depending on your needs, you might find other cards more fitting.

Check out more alternatives for cashback rewards.