Walmart OnePay Cash Mastercard

Highlights

• Earn unlimited 3% cash back at Walmart — or level up to 5% cash back at Walmart with Walmart+. Plus, enjoy zero annual fee.
• Earn 3.35% APY on savings when you set up $500+ monthly direct deposit or maintain a $5,000 balance—significantly higher than traditional banks.
• Get paid up to 2 days early with direct deposit and manage both spending and saving in one unified digital account with customizable “pockets”.
• Built-in budgeting tools including Pay Autosave (automatically allocate portions of your paycheck) and Round-ups (save the spare change from every purchase).
• Fee-free overdraft protection for OnePay Cash+ members—no interest charges or overdraft fees when you need a safety net.
• No monthly maintenance fees, access to 55,000+ ATMs nationwide, and FDIC insurance through partner banks.

Additional Info

• Primary Benefit: Unlimited 3% Cash Back at Walmart
• Products Offered: Checking + Savings + Debit Card
• Monthly Fee: $0
• Credit Check: No
• Credit Recommended: All Credit Types Considered
• Coverage: All U.S. States
• Card Brand: Mastercard®
• Minimum Deposit: $25

OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.

Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Customers can choose to earn on gas instead of at Walmart. Spend cap applies to your total spend across the cash back categories you selected during the month. See terms at onepay.com/rewards-terms.

Specifications