Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 5x on walmart (catalog median is 1x)
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$360/yr
$360 rewards
#43 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$390/yr
$390 rewards
#47 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$420/yr
$420 rewards
#48 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1.5x
Grocery
1.5x
Gas
1.5x
Flights
1.5x
Hotels
1.5x
Other Travel
1.5x
Online Shopping
1.5x
Rideshare
1.5x
Streaming
1.5x
Amazon
1.5x
Costco
1.5x
Other
1.5x
Apple
1.5x
Cell Phone
1.5x
Fast Food
1.5x
Home Utilities
1.5x
Internet
1.5x
Walmart
5x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
5% back at Walmart (in-store & online) with Walmart+ membership, 3% without. 1.5% everywhere else. No annual fee.
Walmart OnePay CashRewards Card FAQ
What is the Walmart OnePay CashRewards Card annual fee?
The Walmart OnePay CashRewards Card has no annual fee.
What is the Walmart OnePay CashRewards Card signup bonus?
35 dollars for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Walmart OnePay CashRewards Card?
5x on walmart, 1.5x on flights, 1.5x on hotels. Everything else earns 1.5x.
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