Walmart OnePay CashRewards Card
Issued by Synchrony Bank
Earning Categories
Current Welcome Bonus
Year 1 net value: +$35 (bonus − annual fee)
Maximize Your Walmart - One Pay Rewards Points
Program Overview
Walmart Pay (One Pay Rewards) is a simplified cashback program for Walmart co-branded cards and the Walmart Pay wallet. The Capital One Walmart Rewards Mastercard earns 5% back at Walmart.com and in Walmart stores via Walmart Pay app, 2% at Walmart in-store (without Walmart Pay), 2% at Murphy USA and Walmart gas stations, and 1% everywhere else. Best for: frequent Walmart.com shoppers and in-store buyers who regularly use the Walmart Pay app for checkout.
Earning Tips
Capital One Walmart Rewards Mastercard: - 5% at Walmart.com and in Walmart stores via Walmart Pay app (first year 5% in-store without app) - 2% at Walmart in-store without Walmart Pay - 2% at restaurants, travel, and Walmart/Murphy USA gas stations - 1% everywhere else Tips: - Always use Walmart Pay app in-store to get 5% vs. 2% - Strong for Walmart.com online orders without needing the app - The 5% effectively makes this one of the best grocery cards for Walmart shoppers
Redemption Tips
Cashback redeems as statement credit or for Walmart.com purchases. 1¢/point equivalent. No transfer partners. Simple statement credit redemption with no minimum.
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Related guide: Walmart OnePay Card Review: Is 5% Back at Walmart Worth It?
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