OnePay CashRewards Credit Card (Walmart)

[JamP]

Simple to apply and approval. Approved for 10k instantly then it added it to the Walmart app as the default payment. Been using the card without even having the physical card. Interested to see how the rewards are added to the app. Also was able to change my due date by chatting on the app.

Prequal didn't work initially because Transunion was frozen. Unfroze Transunion and ran the prequal again.

Thank you for bringing this card to our attention.

[firefox100]

Hi I have the Walmart + have a walmart onepay app but no accounts with them how do you apply for the onepay mc do you need to bank with ONePay.

[DaveInAZ]

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@firefox100 wrote:

Hi I have the Walmart + have a walmart onepay app but no accounts with them how do you apply for the onepay mc do you need to bank with ONePay.

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Here's a link to the OnePay Rewards card, from Doctor of Credit, where I found out about it: https://www.walmart.com/cp/onepay-card-in-store/8610966

It's a "weird" financial arrangement. The card is issued and approved/denied by Synchrony Bank, but you manage it through OnePay Financial, a Fintech company, that uses Coastal Community Bank for bank accounts. When you apply for the Rewards card  OnePay immediately pushes you to get their OnePay Debit card and their crappy savings account that you need a $500/mo. Direct Deposit to get any interest on it. 

.One of the early comments warns folks who are "leery" of Synchony; Synchrony has always loved me. I have a Lowes card w/$15k CL, PayPay MC w/$12k CL, and a Google Store account with $6K CL, where I got 36 months 0% for my Pixel 9 phone. I was approved for the Walmart OnePay Rewards card w/$8k CL; the hard pull is on TU by Sync.

I live on a rural property east of Tucson, and the town where i grocery shop, Benson, only has a Walmart and a Safeway, and I hate those grocery stores chains that make you join their club card, scour the weekly ad, and clip the deal to get that price. Gimme Walmart, where the price you see is the price you pay. So I have Walmart+, I'm too rural for free store delivery, but I love the store pickup & free shipping, and other benies like free Paramount Plus. Good luck!  

[ElvisCaprice]

Just to make clear.  You don't need Walmart + for free store pickup or free shipping (with minimum purchase).

[fred-7388]

The only negative I see here is they aren't allowing authorized users, at least for now. Just applied now and was approved with a $7k credit line. 

Edit: also, there probably will be better a sub during the holidays.

[ptatohed]

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@ElvisCaprice wrote:

Just to make clear.  You don't need Walmart + for free store pickup or free shipping (with minimum purchase).

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Are you sure?  I'm not so sure you can get free delivery without W+.  Delivery to your door, from the store, as in groceries.  Shipping of mail-able items from walmart.com, yes.  I've never used the store pickup.  

[ptatohed]

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@fred-7388 wrote:

The only negative I see here is they aren't allowing authorized users, at least for now. Just applied now and was approved with a $7k credit line. 

Edit: also, there probably will be better a sub during the holidays.

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Seriously?  No AU?  I've never seen this before for a 'regular' credit card.  My upgrade and Elvis' Aven, yeah, no AUs.  

[Vinjints]

Store pickup you do not need W+. Wife sends me regularly for store pickup of groceries.

[kickhard88]

i do a lot of shopping at walmart and i have  walmart+ but ill hold out for a better welcome offer 35 back is kinda weak

[DatBoiQuick]

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@kickhard88 wrote:

i do a lot of shopping at walmart and i have  walmart+ but ill hold out for a better welcome offer 35 back is kinda weak

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Their old credit card issued by Capital one had no SUB so its better then before. Although, I would agree $35 for a hard pull is pretty weak.