Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Citi Thank You vs Walmart OnePay CashRewards Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Thank You card art
Citi ThankYou Points
Citi Thank You
Citi
More Info
Walmart OnePay CashRewards Card card art
Walmart - One Pay Rewards
Walmart OnePay CashRewards Card
Synchrony Bank
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
None
3,500 points
Spend $75 in 3 months
Top Earn Rates
  • Gas Stations 5x
  • All Other Purchases 1x
  • Walmart with Walmart Plus 5x
  • Walmart without Walmart Plus 3x
  • All Other Purchases 1.5x
Reward Type
miles
miles
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
No transfer partners
Open full comparison tool Compare more cards

Common Questions: Citi Thank You vs Walmart OnePay CashRewards Card

Is the Citi Thank You or Walmart OnePay CashRewards Card better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Citi Thank You currently offers no current bonus. Walmart OnePay CashRewards Card offers 3,500 pts signup bonus (spend $75 in 3 months). Walmart OnePay CashRewards Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Citi Thank You and the Walmart OnePay CashRewards Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Thank You is from Citi and Walmart OnePay CashRewards Card is from Synchrony Bank, so they're governed by separate bank policies.