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Card Comparison

Walmart OnePay CashRewards Card vs Wells Fargo Active Cash

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

Walmart OnePay CashRewards Card card art
Walmart - One Pay Rewards
Walmart OnePay CashRewards Card
Synchrony Bank
More Info
Wells Fargo Active Cash card art
Wells Fargo Cash Rewards
Wells Fargo Active Cash
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
3,500 points
Spend $75 in 3 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Walmart with Walmart Plus 5x
  • Walmart without Walmart Plus 3x
  • All Other Purchases 1.5x
  • All Purchases 2x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Walmart OnePay CashRewards Card vs Wells Fargo Active Cash

Is the Walmart OnePay CashRewards Card or Wells Fargo Active Cash 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?

Walmart OnePay CashRewards Card currently offers 3,500 pts signup bonus (spend $75 in 3 months). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Walmart OnePay CashRewards Card has the larger bonus.

Which card is better for international travel?

Walmart OnePay CashRewards Card charges no foreign transaction fees — the better pick for international use. Wells Fargo Active Cash charges 3% on foreign purchases.

Can I hold both the Walmart OnePay CashRewards Card and the Wells Fargo Active Cash?

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