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OnePay CashRewards Credit Card (Walmart)

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DatBoiQuick
Regular Contributor

OnePay CashRewards Credit Card (Walmart)

OnePay (Walmart) released a new credit card with a similar structure to amazon where if you have the Walmart+ subscription you get 5% back on Walmart Purchases otherwise you get 3% and 1.5% on everything else. The bonus is only $35 for spending $75, but better then nothing.

https://www.walmart.com/cp/onepay-card-in-store/8610966

Message 1 of 31
30 REPLIES 30
crystal626
Established Contributor

Re: OnePay CashRewards Credit Card (Walmart)

This card is with Synchrony Bank for those who are leery about them.

5/16/2026

EX8 760
EQ8 787
TU8 782


19 cards TCL $235,250 ACL $12,382
Message 2 of 31
Vinjints
Established Contributor

Re: OnePay CashRewards Credit Card (Walmart)

Been waiting to see what this will look like. But I still struggle to see the real benefit to the Walmart+ membership to justify the annual fee, and then earn the full 5%. 

NFCU Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

Message 3 of 31
Rdbeetle
Valued Contributor

Re: OnePay CashRewards Credit Card (Walmart)

I was just approved for $5k. I made a post in the approvals section.

SchoolsFirst FCU Rewards WMC $25k
US Bank Smartly VS $15k
AMEX BCE $10k
Walmart CashRewards WMC $8k
FICO 8 Scores: EX 799 I TU 805 I EQ 809
Message 4 of 31
Vinjints
Established Contributor

Re: OnePay CashRewards Credit Card (Walmart)


@crystal626 wrote:

This card is with Synchrony Bank for those who are leery about them.


Also says Costal Community Back which I think is the same outfit partnered with Aven. 

NFCU Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

Message 5 of 31
crystal626
Established Contributor

Re: OnePay CashRewards Credit Card (Walmart)


@Vinjints wrote:

@crystal626 wrote:

This card is with Synchrony Bank for those who are leery about them.


Also says Costal Community Back which I think is the same outfit partnered with Aven. 


Banking services provided by them, credit card by Synchrony.

5/16/2026

EX8 760
EQ8 787
TU8 782


19 cards TCL $235,250 ACL $12,382
Message 6 of 31
AndySoCal
Senior Contributor

Re: OnePay CashRewards Credit Card (Walmart)

@Vinjints  For me joining Walmart + was an easy decision free delvery from the store on orders over $35.00 you pick the day and the two hour window. Otherwise Walmart delivery is 9.95  per order. The minimum  of $35.00 orders shipped is waived. Walmarts prices compared to traditional grocery stores are lower. The cost is 99.00 per year. For me I pay $99.00 and I save $260.00 in delivery orders. I have had  Walmart + since 2022.

 

Here is a review of the program

https://www.pcmag.com/how-to/what-is-walmart-plus 

 

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
Message 7 of 31
okurosetta
Frequent Contributor

Re: OnePay CashRewards Credit Card (Walmart)

I agree with @AndySoCal, Walmart+ has been an easy decision for me and P2. The $98 annual works out to right around $2 per week to be able to get local delivery once you hit $35, and we get 1-2 deliveries per week, very worth it. Sometimes P2 has a few items in the cart, then I add a few more and just send it, is great to get items as you need/want them rather than requiring big shops.

 

For us, Walmart+ prices on many things are significantly better than local grocery stores, to the point that factoring in a 10% tip (don't have to tip but we usually do 10%) and the cost of the subscription and the vast majority of items are still less expensive delivered to our door than they would have been if bought directly at a local grocery store.

 

We have found Walmart to not be great for produce, so we use grocery stores for that and a few other items, but it has been great for international foods, can get my preferred chili crisp that would otherwise require going to an Asian market. So we still go to the grocery store, but spend less time and effort when we do.

 

We also see some value from the Paramount+ benefit, though the gas benefit is not worth it for us as the best prices available locally are at truck stops, often 20c or more cheaper than those eligible for the 10c Walmart+ perk.

 

As far as the new card, I'll likely ask P2 to grab it at some point. Right now I've been using Citi SYW since Walmart+ deliveries have coded as online for nice offers (and hopefully will as retail for current offer), would struggle to hit the offers organically without our Walmart+ spend. This also means I'm not in a rush at the current moment, since the SYW retail offer is around September and October as well, but would be nice to have a more reliable / long-term solution for an area we have so much spend (last time checked around $8k/year).

Hybrid
Cashback APR
Points
P2
Chopping Block P2 Chopping Block
Message 8 of 31
ElvisCaprice
Established Contributor

Re: OnePay CashRewards Credit Card (Walmart)

Nope, Walmart + is not much of a deal for this cat ( I live close).  I've found Walmart prices now higher, lower to equal in quality, than Aldi's and Costco (live even closer), so I don't shop there much anymore.  Plus no HP and the paypal debit works just fine for 5% in store still for those few items I would ever go there for.   BofA CCR still gets 5.25% online payment or in app.   If you already do Walmart +, then maybe, it makes sense.  But it is Sync, so think twice.

BofA: Citi:US Bank:Chase:Aven:RH:

Spend: Less than 10k per year organic (frugal). MS varies, can be more significant.

(July of 26) Scorecard: Clean, Thick, Mature (Always PIF)

HP's: EQ 1/6, 1/12, 7/24 | TU 1/6, 4/12, 8/24 | EX 0/6, 3/12, 10/24

New Accounts: 2/6, 8/12, 11/24

Message 9 of 31
ptatohed
Senior Contributor

Re: OnePay CashRewards Credit Card (Walmart)


@DatBoiQuick wrote:

OnePay (Walmart) released a new credit card with a similar structure to amazon where if you have the Walmart+ subscription you get 5% back on Walmart Purchases otherwise you get 3% and 1.5% on everything else. The bonus is only $35 for spending $75, but better then nothing.

https://www.walmart.com/cp/onepay-card-in-store/8610966


Awesome!  Thanks DBQ.  I thought it very odd that WM got rid of its 5% card when competing against Ama is so important.  I'm surprised it took this long.  I hate, hate, hate paying annual/subscription fees but even I looooove ordering groceries at 11:30 at night in my pajamas for delivery to my door the next day.  I've actually upped my membership to the $140 one (ouch) so that I don't have to tip.  I really wish I could avoid bag fees, that really bothers me.  Is it worth a new card to go from 4% (Smartly) to 5%?  And, as Oku said, I use the SYW card a lot to meet 'on-line' spending offers.  Hmm... I'll have to think about that.  

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 10 of 31
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