topic Re: Great Walmart shuffle in Credit Card Approvals

Great Walmart shuffle

zerofire — Mon, 06 Oct 2025 22:08:45 GMT

So I found out that one of my cars needs a fresh pair of tires. Well the main place to get a good set near me without paying a fortune is apparently Walmart. That is all well and dandy but Walmart has a hate-hate relationship with getting paid with credit cards. Once you consider the squabble with Capital One, the lack of contactless payments at most locations, and the general hatred of issuers to the point they exclude Walmart from groceries that leaves me short of cards that provide good rewards there. So I decided to wing it with the new OnePay Walmart Cashrewards with Synchrony since I had nothing to lose. First I tried by loading my Walmart account and going through the pre-approval. That ended up doing wonders at breaking the website while loading. I then gave up and loaded the OnePay app and went through the pre-approval that way. For a second I thought that the system would ask for extra verification but eventually it responded with $10,000. That is more than enough for a few rubber donuts. I naturally accepted and found a Synchrony HP trying to sneak onto my Transunion report.

Report: TransUnion

SL: $10,000

Re: Great Walmart shuffle

Varsity_Lu — Tue, 07 Oct 2025 00:24:05 GMT

Congrats! Is that a 5% or 3% card? Are you in with AmEx? The Blue Cash Everyday gives 3% on online shopping and if you add it to your Walmart Pay wallet, all transactions code as online. I get 3% on anything I buy in store at Walmart that way.

Re: Great Walmart shuffle

cashorcharge — Tue, 07 Oct 2025 03:07:29 GMT

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Great Walmart shuffle

NoMoreE46 — Wed, 08 Oct 2025 02:19:08 GMT

3% back but if one is also a WMT + member then 5%.

@Varsity_Lu wrote:
Congrats! Is that a 5% or 3% card? Are you in with AmEx? The Blue Cash Everyday gives 3% on online shopping and if you add it to your Walmart Pay wallet, all transactions code as online. I get 3% on anything I buy in store at Walmart that way.

Re: Great Walmart shuffle

IcyCool7227 — Wed, 08 Oct 2025 06:16:56 GMT

PayPal debit also gives 5% cash back on Walmart purchases and my Mercury Rewards Visa gives me 5% too but only in-store, not online. The Sync card would be the best because of course they accept direct debit cards as payment and you can get extra cashback that way. I am still having my time in the Mexican garden to want to apply for that card though.

Re: Great Walmart shuffle

firefox100 — Wed, 08 Oct 2025 17:45:49 GMT

Congrats one your OnePay mc card.

Re: Great Walmart shuffle

zerofire — Thu, 09 Oct 2025 03:34:38 GMT

Thank you everyone for the well wishes.

@IcyCool7227 wrote:
PayPal debit also gives 5% cash back on Walmart purchases and my Mercury Rewards Visa gives me 5% too but only in-store, not online. The Sync card would be the best because of course they accept direct debit cards as payment and you can get extra cashback that way. I am still having my time in the Mexican garden to want to apply for that card though.

The issue with the PayPal Debit is that it is only for personal PayPal accounts while mine is a business account and there is no options for multiple accounts. In the end you can say it is complicated. I personally am working on getting up to 5% eventually with an AAA card but I am not there yet. I do have a PayPal card but that is only for online and my UMB card is not always in my wallet when it counts. Right now I am just grabbing anything Walmart accepting and going to figure out what stays later. I did get a $35 bonus because I made at least a $70 purchase on my OnePay card so that is messing with the numbers on the new card. There is a reason I am calling it a shuffle. I am still figuring out where Walmart and Walmart.com charges will go because they are limited right now where the rewards will have high numbers. I also can not justify Walmart+ like I justify Prime.

Re: Great Walmart shuffle

Rdbeetle — Thu, 09 Oct 2025 20:48:00 GMT

Congrats on your Walmart CashRewards approval!

Re: Great Walmart shuffle

IcyCool7227 — Sun, 12 Oct 2025 09:39:45 GMT

You can have both a personal and business PayPal account. I have two personal and a business one myself but am strongly considering closing one down as I don't use it much at all. It was a premiere account, which has been phased out. They do allow multiple accounts.

@zerofire wrote:
Thank you everyone for the well wishes.

@IcyCool7227 wrote:
PayPal debit also gives 5% cash back on Walmart purchases and my Mercury Rewards Visa gives me 5% too but only in-store, not online. The Sync card would be the best because of course they accept direct debit cards as payment and you can get extra cashback that way. I am still having my time in the Mexican garden to want to apply for that card though.
The issue with the PayPal Debit is that it is only for personal PayPal accounts while mine is a business account and there is no options for multiple accounts. In the end you can say it is complicated. I personally am working on getting up to 5% eventually with an AAA card but I am not there yet. I do have a PayPal card but that is only for online and my UMB card is not always in my wallet when it counts. Right now I am just grabbing anything Walmart accepting and going to figure out what stays later. I did get a $35 bonus because I made at least a $70 purchase on my OnePay card so that is messing with the numbers on the new card. There is a reason I am calling it a shuffle. I am still figuring out where Walmart and Walmart.com charges will go because they are limited right now where the rewards will have high numbers. I also can not justify Walmart+ like I justify Prime.

Re: Great Walmart shuffle

Patient957 — Sun, 12 Oct 2025 13:56:50 GMT

Congrats on the approval... and the new tires.