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The OnePay CashRewards Card offered a $75 welcome bonus in OnePay Points to eligible applicants who applied from September 2 through September 30, 2026. That application window has ended. Walmart separately describes an extra $35 in points after opening a card and spending at least $75 within 30 days, but its help page does not establish whether that offer is still available as of October 3, 2026. Check the live application terms before applying.
What the OnePay CashRewards Card is
OnePay describes CashRewards as a Mastercard that can be used wherever Mastercard is accepted, subject to credit approval. Synchrony Bank issues OnePay credit cards, according to OnePay’s help material. The CashRewards Card is distinct from the Walmart Spend Card, which is usable only at Walmart in stores and online and has no standard rewards program. OnePay’s card page and OnePay help describe the products and issuer.
Cash-back rates and Walmart+ conditions
OnePay advertises unlimited 3% cash back at Walmart, or 5% for eligible Walmart+ members. To receive the 5% rate, Walmart+ must be linked, the CashRewards Card must be used at checkout, and the card must be set as the default payment method in Walmart Wallet, according to OnePay’s rewards help page.
For other eligible purchases, the product page describes two rates tied to timing: qualifying applicants applying from September 2 through December 31, 2026, can receive 3% for 90 days, followed by the stated standard rate of 1.5%. These are product terms, not a guarantee that every transaction qualifies; review the current terms for exclusions and eligibility. OnePay’s card page
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How the $75 welcome offer worked—and its deadline
OnePay’s product page set the bonus term as September 2–30, 2026. An applicant had to apply during that period and be approved for a CashRewards Mastercard or Walmart Spend Card. The offer was for new accounts, limited to one bonus per account, and required the account to remain open and in good standing when the points were awarded. Since the application term ended September 30, it should not be treated as open on October 3, 2026. OnePay’s card page
The $75 was described as cash back in points, not an automatic cash payment. OnePay lists statement credit, deposit into a OnePay deposit account, and other available options as redemption methods. OnePay also says applicants can “See if you pre-qualify with no impact to your credit score.” Prequalification is not approval; the card remains subject to credit approval. OnePay’s card page
Rank #2
- Ideal for Gifting
- Ideal for a bookworm
- Compact for travelling
Walmart’s separate $35 offer is not clearly current
Walmart’s help page describes a separate path: open a card and spend at least $75 within 30 days to earn an extra $35 in points, if eligible. Walmart’s card page also displays the September 2–30 $75 application offer. The official pages available do not clarify whether the $35 offer remains available, replaces the $75 offer, or is targeted to some customers. Do not assume the two bonuses stack or that either offer is live; confirm the terms presented during application. Walmart card FAQs and Walmart’s OnePay card page
Quick Recap
Best Value
- It can be a gift option
- Comes with secure packaging
- Helpful in various ways
Rank #4
Which OnePay card fits your use
| Feature | CashRewards Card | Walmart Spend Card |
|---|---|---|
| Where it can be used | Wherever Mastercard is accepted, subject to approval (OnePay card page). | Walmart stores and Walmart.com only (OnePay help). |
| Standard rewards | 3% at Walmart; 5% for eligible Walmart+ members under OnePay’s linkage and payment conditions; 1.5% on other purchases after the stated introductory period (OnePay card page and rewards help). | No standard rewards program, according to OnePay help. |
| Welcome offer timing | The advertised $75 application window ran September 2–30, 2026; Walmart separately describes a $35 spend offer whose current availability is unclear. | OnePay’s $75 offer terms named both card products; Walmart’s separate $35 offer availability is unclear. |
| Points redemption | OnePay lists statement credit, deposit to a OnePay deposit account, and other available options. | Offer points are subject to the applicable offer terms and available redemption options. |
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