Walmart - One Pay Rewards MastercardWalmart OnePay CashRewards Card
Issued by Synchrony Bank
Reviewed by the CardCurator Editorial Team
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Best fit: strongest ongoing earning is 5x on Walmart with Walmart Plus.
- Bonus hurdle: spend $75 in 3 months.
- Annual fee: No annual fee.
- Who should skip: people chasing premium perks, lounge access, or outsized transfer-partner upside.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
Earning Categories
Current Welcome Bonus
Year 1 net value: +$35 (bonus − annual fee)
Maximize Your Walmart - One Pay Rewards Points
Expert tips to get the most value from this program
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.
Compare This Card
See how the Walmart OnePay CashRewards Card stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Related guide: Walmart OnePay Card Review 2026: 5% Back at Walmart+ and How It Compares
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the Walmart OnePay CashRewards Card?
- The Walmart OnePay CashRewards Card has no annual fee.
- What is the best category to use the Walmart OnePay CashRewards Card for?
- The Walmart OnePay CashRewards Card earns 5x on Walmart with Walmart Plus, making it the strongest earning category for this card.
- What is the Walmart OnePay CashRewards Card welcome bonus in 2026?
- The Walmart OnePay CashRewards Card currently offers a welcome bonus of 3,500 reward dollars after spending $75 in the first 3 months.
- Does the Walmart OnePay CashRewards Card charge foreign transaction fees?
- No, the Walmart OnePay CashRewards Card does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are Walmart - One Pay Rewards reward dollars worth?
- Walmart - One Pay Rewards reward dollars are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Need more travel card options?
Browse partner travel cards if this card is not the right fit but you still want points, transfer partners, or stronger travel perks.
What to check before you leave
- Look for a welcome bonus you can realistically earn.
- Compare the annual fee against lounge access, travel credits, or hotel perks.
- Check issuer rules and current terms before you apply.
You will open our partner marketplace in a new tab. Use it only if you are still actively comparing alternatives to this card.
Browse partner travel cardsCardCurator may earn a commission if you apply through this partner link.
Ready to Get the Walmart OnePay CashRewards Card?
Apply now and track your rewards, credits, and signup bonus progress — all in one place
We never share your data. Your privacy is our priority.