OnePay CashRewards Card overview
The OnePay CashRewards Card is an easy no-annual-fee possibility for frequent Walmart consumers, providing beneficiant limitless earnings on Walmart purchases and a flat 1.5% cash-back charge on all different purchases. Even should you do not store at Walmart typically, there’s nonetheless a powerful case for this card being added to your pockets. Card ranking*: ⭐⭐⭐
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The OnePay CashRewards has no annual charge, however to get the best incomes charges on Walmart purchases (5% again), you may want a Walmart+ membership, which prices $12.95 monthly or $98 yearly, plus relevant taxes.
You additionally earn 1.5% again on all different purchases outdoors of Walmart, making it a strong on a regular basis card.
We advocate a good credit score rating or larger to be authorized for this card.
Let’s dive into what you should find out about this thrilling new cash-back card.
The data for the OnePay CashRewards Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
OnePay Money Rewards Card execs and cons
| Professionals | Cons |
|---|---|
|
|
Associated: Why you might have considered trying a cash-back card
OnePay CashRewards Card welcome provide
New candidates can earn $35 money again after spending $75 on purchases inside 30 days after card opening.
Reward your inbox with the TPG Each day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
This welcome provide is underwhelming and never very aggressive in comparison with different cash-back playing cards, but it surely’s nonetheless higher than nothing contemplating the low spending requirement.
Associated: Finest welcome presents of the month
OnePay CashRewards Card advantages
The OnePay CashRewards Card is a no-annual-fee card, so it is not loaded with advantages.
As soon as authorized, eligible cardholders can obtain immediate card entry by way of the OnePay and Walmart apps, to allow them to begin utilizing their card instantly to make purchases.
Moreover, the cardboard has no international transaction charges for purchases made in currencies aside from U.S. {dollars}. It is a nifty perk, contemplating most playing cards with no annual charge do not provide it.
The most important good thing about this card is its earnings charges — although for the best charges, you may want a Walmart+ membership.
The cardboard features equally to the Prime Visa (see charges and charges), providing elevated earnings at Amazon for Prime members and lowered earnings for non-Prime members.
Walmart+ membership comes with perks like:
- Free grocery supply
- Free supply with no order minimal
- Free returns from residence
- Discounted Burger King orders and a free Whopper each three months with a purchase order
- As much as 10 cents off per gallon of fuel at taking part Exxon, Mobil, Murphy USA, Sam’s Membership and Walmart fuel stations
- Complimentary Paramount+ subscription
Professional tip: When you maintain The Platinum Card® from American Categorical, you possibly can obtain a month-to-month assertion credit score of as much as $12.95 plus taxes and charges to cowl the month-to-month price of 1 Walmart+ membership (topic to auto-renewal; enrollment required). Plus Ups excluded.
Associated: The professionals and cons of cash-back bank cards
Incomes and redeeming rewards on the OnePay CashRewards Card
The One Pay CashRewards Card has a easy incomes construction. You may earn limitless:
- 5% money again on Walmart purchases (on-line or in-store) should you’re a Walmart+ member or 3% again should you’re not a Walmart+ member
- 1.5% money again on all different purchases (no matter your Walmart+ membership standing)
Money again is earned within the type of OnePay factors. These factors could be redeemed as money again right into a OnePay Money account or as a press release credit score.
Moreover, you possibly can put your OnePay Money in a OnePay financial savings account that earns as much as 3.75% annual share yield on as much as $250,000.
Associated: Finest playing cards for on a regular basis spending
Which playing cards compete with the OnePay CashRewards Card?
The OnePay CashRewards is a wonderful possibility for Walmart consumers and for these on the lookout for an on a regular basis cash-back card. Nonetheless, relying in your particular circumstances, one other cash-back card might higher fit your wants:
For extra choices, take a look at our full record of the greatest cash-back rewards playing cards.
Ought to I get the OnePay CashRewards Card?
When you’re on the lookout for a easy cash-back possibility, store at Walmart steadily and have a Walmart+ membership, this card is a no brainer.
Nonetheless, if you do not have a Walmart+ membership or choose extra flexibility along with your rewards, you could be higher off choosing one other cash-back card.
Backside line
The OnePay CashRewards is shaping as much as be a superb no-annual-fee cash-back card. Even should you do not store at Walmart steadily, it is price a re-assessment given its limitless 1.5% money again on all purchases.
If I shopped at Walmart extra steadily, I would think about including this to my pockets.
Associated: The perfect bank cards for Walmart procuring
