OnePay CashRewards Card
This card is for people who shop at Walmart often, above all Walmart+ members. It earns 5% cash back at Walmart with a linked Walmart+ membership, 3% without one, and 1.5% everywhere else Mastercard is accepted, with no annual fee and no foreign transaction fee. You apply on Walmart.com, in the Walmart app or in a store. The caveat: the purchase APR depends on the account type you are approved for, 20.24% or 30.74% Variable, and the higher one erases the rewards on any balance you carry.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% at Walmart for Walmart+ members
- Flat 1.5% outside Walmart
- No annual fee
- No foreign transaction fee
- Annual fee: $0
- Regular purchase APR: 20.24% or 30.74% Variable, by account type
- Cash advance APR: 22.24% or 32.24% Variable, by account type
- Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late payment fee: Up to $41
- Foreign transaction fee: None
- Minimum interest charge: $2.00
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- Walmart is where most of your spending goes.
- You already pay for Walmart+, which lifts Walmart purchases to 5%.
- You want one card that still earns 1.5% everywhere else.
- You should skip it if you carry a balance: the APR is set by account type and can be 30.74% Variable.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
4 results: 4 approved, 0 denied. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 670 to 739 | Not sure | - | - | Jul 2026 |
| Approved | 740 to 799 | Not sure | - | - | Feb 2026 |
| Approved | 800 and above | TransUnion | - | NY | Dec 2025 |
See all 4 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
