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About Our Ratings

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Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Walmart OnePay Cash

Credit Card Details

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Walmart OnePay Cash

No monthly maintenance fees, access to 55,000+ ATMs nationwide, and FDIC insurance through partner banks.

  • Card Brand

    MasterCard

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Annual Fee

    n/a

  • Monthly Fee

    N/A

  • Rewards

    Unlimited 3% Cash Back at Walmart

Highlights

  • Earn unlimited 3% cash back at Walmart — or level up to 5% cash back at Walmart with Walmart+. Plus, enjoy zero annual fee.
  • Earn 3.35% APY on savings when you set up $500+ monthly direct deposit or maintain a $5,000 balance—significantly higher than traditional banks.
  • Get paid up to 2 days early with direct deposit and manage both spending and saving in one unified digital account with customizable “pockets”.
  • Built-in budgeting tools including Pay Autosave (automatically allocate portions of your paycheck) and Round-ups (save the spare change from every purchase).
  • Fee-free overdraft protection for OnePay Cash+ members—no interest charges or overdraft fees when you need a safety net.
  • No monthly maintenance fees, access to 55,000+ ATMs nationwide, and FDIC insurance through partner banks.

Additional Info

  • Primary Benefit: Unlimited 3% Cash Back at Walmart
  • Products Offered: Checking + Savings + Debit Card
  • Monthly Fee: $0
  • Credit Check: No
  • Credit Recommended: All Credit Types Considered
  • Coverage: All U.S. States
  • Card Brand: Mastercard®
  • Minimum Deposit: $25

OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.

Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Customers can choose to earn on gas instead of at Walmart. Spend cap applies to your total spend across the cash back categories you selected during the month. See terms at onepay.com/rewards-terms.

Specifications

Rewards Unlimited 3% Cash Back at Walmart
Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR n/a
Annual Fee n/a
Monthly Fee N/A
Credit Recommended All Credit Types Considered
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

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