{"id":20005,"date":"2025-08-28T12:17:27","date_gmt":"2025-08-28T12:17:27","guid":{"rendered":"https:\/\/finderica.com\/?p=20005"},"modified":"2025-08-28T12:17:27","modified_gmt":"2025-08-28T12:17:27","slug":"new-walmart-onepay-credit-cards-up-to-5-back-for-loyalists","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=20005","title":{"rendered":"New Walmart OnePay Credit Cards: Up to 5% Back for Loyalists"},"content":{"rendered":"<div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Walmart has relaunched its credit card program for the second time in just a handful of years, this time in partnership with financial technology company OnePay as well as a familiar issuer in <\/span><span class=\"_28z5Fp _3-to_p\">Synchrony Bank<\/span><span class=\"_28z5Fp _3-to_p\">. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\"><button class=\"_28z5Fp _2JIHTU _3i3pJg vLzrnO _3mJuQ4\" type=\"button\" data-currency=\"Link\" target=\"_self\"><\/p>\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><\/div>\n<\/div>\n<\/figure>\n<p><\/button><\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">There are two new possibilities for applicants, both with a <\/span><span class=\"_28z5Fp _3-to_p\">$0<\/span><span class=\"_28z5Fp _3-to_p\"> annual fee: <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">OnePay CashRewards Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is an &#8220;open-loop&#8221; Mastercard, meaning it can be used essentially anywhere. It earns an unlimited 5% cash back at Walmart for Walmart+ members and 3% cash back at Walmart for non-members. All other purchases earn 1.5% cash back. Cardholders earn cash back as OnePay Points, which are worth 1 cent each and can be redeemed as a statement credit or as a deposit into a OnePay Cash account.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">OnePay Walmart Spend Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is a &#8220;closed-loop&#8221; card, meaning it can be used only at Walmart and Walmart.com. Per the card&#8217;s terms and conditions, it doesn&#8217;t have a standard ongoing rewards structure, although bonuses may be made available from time to time.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">As of this writing, both cards offer a modest welcome bonus: $35 cash back when you spend at least $75 on the card within 30 days of account opening.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">When you submit an application, you&#8217;ll first be considered for the more flexible and rewarding <\/span><span class=\"_28z5Fp _3-to_p\">OnePay CashRewards Card<\/span><span class=\"_28z5Fp _3-to_p\">. If you don&#8217;t meet the credit qualifications for it, you&#8217;ll then be considered for the store-only OnePay Walmart Spend Card. The issuer offers a <\/span><span class=\"_28z5Fp _3-to_p\">pre-qualification process<\/span><span class=\"_28z5Fp _3-to_p\"> so you can see ahead of time which card (if either) you&#8217;d qualify for, with no initial hard inquiry on your credit and thus no impact on your credit scores. If you then formally apply, however, a <\/span><span class=\"_28z5Fp _3-to_p\">hard inquiry<\/span><span class=\"_28z5Fp _3-to_p\"> will be conducted.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">While you don&#8217;t need a OnePay account to get a Walmart credit card, you will need the OnePay app to manage your card.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_3LOQui PIqV0k wnPEbn BgIPML _1WkR_n paYFr8 _1SNXHI _1voSX6 _3xUsF1 oE4ByK _119vwC knwpyt aylhii\">\n<p><span class=\"_3P4ktl zeCuXk _28z5Fp _1My7YX\" data-currency=\"Text\">\ud83e\udd13<\/span><span class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\">Nerdy Tip<\/span><\/p>\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Walmart&#8217;s partnership with Synchrony is a return to the retailer&#8217;s roots. Synchrony previously held the Walmart credit card portfolio for decades, until 2018, when Walmart sued the issuer in part over its underwriting processes. Walmart then turned to a new issuing partner for its next co-branded credit card \u2014 the <\/span><span class=\"_28z5Fp _3-to_p\">Capital One\u00ae Walmart Rewards\u2122 Mastercard\u00ae<\/span><span class=\"_28z5Fp _3-to_p\"> \u2014 which debuted in 2019. That partnership, too, fell apart, with Walmart suing Capital One in 2023, citing dissatisfaction with Capital One\u2019s customer service. That card was <\/span><span class=\"_28z5Fp _3-to_p\">discontinued in 2024<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Should I get a Walmart card?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">OnePay CashRewards Card<\/span><span class=\"_28z5Fp _3-to_p\"> can be rewarding for Walmart loyalists, and unlike many other <\/span><span class=\"_28z5Fp _3-to_p\">store credit cards<\/span><span class=\"_28z5Fp _3-to_p\">, it earns actual cash back (not &#8220;store credit&#8221; or &#8220;points&#8221;), meaning you can use your rewards toward whatever you like.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">But the card will be most valuable if you also have a <\/span><span class=\"_28z5Fp _3-to_p\">Walmart+<\/span><span class=\"_28z5Fp _3-to_p\"> membership, which \u2014 unlike the credit cards \u2014 does come with an annual cost of $98 per year (or you can choose to pay $12.95 per month). <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Walmart+ offers multiple benefits, including savings on eligible gas fill-ups, access to video streaming platforms, free delivery on groceries with a minimum order, and more. If Walmart is where you do most of your shopping, you could fairly easily justify the cost of a Walmart+ membership with those perks alone, not even taking into account the elevated rewards you&#8217;d earn with the <\/span><span class=\"_28z5Fp _3-to_p\">OnePay CashRewards Card<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Still, depending on your spending habits, you may find the new Walmart credit card to be less rewarding than its previous iteration, the <\/span><span class=\"_28z5Fp _3-to_p\">Capital One\u00ae Walmart Rewards\u2122 Mastercard\u00ae<\/span><span class=\"_28z5Fp _3-to_p\">, which as noted above is no longer available. While that card earned only 2% back on in-store Walmart purchases, it offered 5% back on purchases at Walmart.com and on items purchased through the Walmart app \u2014 no Walmart+ membership required. It also earned a useful 2% back on travel and restaurant spending. The new <\/span><span class=\"_28z5Fp _3-to_p\">OnePay CashRewards Card<\/span><span class=\"_28z5Fp _3-to_p\"> has no bonus categories outside of Walmart spending, though its rate of 1.5% back on everything else is better than the previous card&#8217;s 1% rate there.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">But if you&#8217;re not a Walmart devotee, a general no-annual-fee <\/span><span class=\"_28z5Fp _3-to_p\">rewards credit card<\/span><span class=\"_28z5Fp _3-to_p\"> would be a better and potentially more lucrative fit. If you <\/span><span class=\"_98KgO7 _28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">are<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> a frequent Walmart shopper but don&#8217;t want to cough up a yearly membership fee, consider a card that offers <\/span><span class=\"_28z5Fp _3-to_p\">high rewards for online purchases<\/span><span class=\"_28z5Fp _3-to_p\">, including those made on Walmart.com. <\/span><\/p>\n<\/div>\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_98KgO7 _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Information related to the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\">OnePay CashRewards Card<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"> and the OnePay Walmart Spend Card has been collected by SS and has not been reviewed or provided by the issuer of these cards.<\/span><\/span><\/span><\/p>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/new-walmart-onepay-credit-cards-up-to-5-back-for-loyalists\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Walmart has relaunched its credit card program for the second time in just a handful of years, this time in partnership with financial technology company OnePay as well as a familiar issuer in Synchrony Bank. There are two new possibilities for applicants, both with a $0 annual fee: The OnePay CashRewards Card is an &#8220;open-loop&#8221;<\/p>\n","protected":false},"author":1,"featured_media":7649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[420,238,7945,7944,1385],"class_list":{"0":"post-20005","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-cards","9":"tag-credit","10":"tag-loyalists","11":"tag-onepay","12":"tag-walmart"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/20005","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20005"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/20005\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/7649"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20005"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20005"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}