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

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	n/a
Annual Fee	n/a
Monthly Fee	0.00
Credit Recommended	All Credit Types Considered
Rewards Rate	Unlimited 3% Cash Back at Walmart
Cash Advance APR	n/a
Cash Advance Fee	n/a
Cash Grace Period	n/a
Late Payment Fee	n/a
Overlimit Fee	n/a
Return Check Fee	n/a
Foreign Trans Fee	n/a
Balance Transfer Fee	n/a

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When it comes to managing your money, both prepaid cards and debit cards offer convenient ways to make purchases and access cash. However, they are not the same. Each card…

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