The Walmart+ Factor

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To maximize this card's value, you'll need a Walmart+ membership, which costs:

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• $98 annually

• $12.95 monthly

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Walmart+ benefits include:

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• Free delivery on groceries (minimum order required)

• Gas savings at eligible stations

• Access to streaming platforms

• Early access to deals

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The math works in your favor if you're already a Walmart+ member or can justify the membership cost through its other benefits.

Pros and Cons

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Pros

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• High Walmart rewards rate for Walmart+ members (5%)

• No annual fee keeps costs minimal

• Decent catch-all rate (1.5% on non-Walmart purchases)

• Easy approval process with pre-qualification available

• Actual cash back (not store credit or points)

• Can be used anywhere Mastercard is accepted

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Cons

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• Requires Walmart+ membership for maximum value

• Limited bonus categories outside of Walmart

• Modest welcome bonus compared to travel cards

• Customer service concerns based on user experiences

• Account security issues reported by some users

User Experience and Concerns

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Based on Reddit discussions and user feedback, there are some notable concerns:

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Positive Experiences:

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• Easy QR code payments at Walmart checkout

• Instant cash back rewards

• Simple redemption process

• Helpful for budget-conscious shoppers

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Negative Experiences:

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• Customer service quality issues

• Account security and fraud protection concerns

• App functionality problems

• Difficulty resolving disputes

Best Alternatives to Consider

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1. Blue Cash Preferred® Card from American Express (See Rates & Fees)

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• 6% on U.S. supermarkets (up to $6,000 annually)

• 3% on gas stations and select streaming

• 1% on other purchases

• $95 annual fee

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Why it's better: If Walmart counts as a supermarket for your purchases, this could yield higher returns.

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^{“Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.”}

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[[ SINGLE_CARD * {"id": "261", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "Popular Cash Back Card"} ]]

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2. Chase Freedom Flex®

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• 5% rotating categories (often includes Walmart)

• 1.5% on non-category purchases

• $200 welcome bonus after spending $500

• No annual fee

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Why it's better: More flexible rewards structure and better customer service reputation.

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[[ SINGLE_CARD * {"id": "2883", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "No-Fee Card Seekers", "headerHint" : "No Annual Fee" } ]]

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3. Capital One Savor Cash Rewards Credit Card

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• 3% on dining, entertainment, and streaming

• 1% on all other purchases

• $200 welcome bonus

• No annual fee

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Why it's better: Better for diverse spending categories beyond just Walmart.

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[[ SINGLE_CARD * {"id": "3041", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Frequent Travelers", "headerHint" : "Excellent Choice" } ]]

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4. Discover It Cash Back Credit Card

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• 5% rotating categories (frequently features Walmart)

• 1% on all other purchases

• Cashback Match for first year

• No annual fee

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Why it's better: Strong customer service and the cashback match effectively doubles your first-year earnings.

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[[ SINGLE_CARD * {"id": "821", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "0 Annual Fee"} ]]

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5. Citi Double Cash® Card

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• 2% cash back on everything (1% when you buy, 1% when you pay)

• No annual fee

• $200 welcome bonus after spending $1,500

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Why it's better: Simple 2% rate beats the OnePay card's 1.5% on non-Walmart purchases.

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[[ SINGLE_CARD * {"id": "580", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Everyday Spenders", "headerHint": "No Annual Fee"} ]]

Who Should Consider This Card?

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The OnePay CashRewards Card makes sense for:

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• Walmart loyalists who do most of their shopping there

• Existing Walmart+ members who can maximize the 5% rate

• Budget-conscious shoppers looking for a no-fee card

• Those seeking simplicity in their rewards structure

Who Should Look Elsewhere?

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Consider alternatives if you:

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• Shop at various retailers rather than primarily Walmart

• Don't want to pay for Walmart+ membership

• Prefer travel rewards over cash back

• Value premium customer service and security features

• Want higher welcome bonuses

Bottom Line

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The OnePay CashRewards Card offers solid value for dedicated Walmart shoppers, especially those with Walmart+ memberships. The 5% cash back rate at Walmart is competitive for Walmart+ members, and the $0 annual fee keeps costs low. However, the card's value diminishes significantly if you're not a Walmart+ member or if your spending is diversified across multiple retailers.

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For most folks, a well-rounded cash back card with rotating categories or a flat-rate card like the Citi Double Cash® Card might provide better overall value. The OnePay card works best as a specialized tool for Walmart shopping rather than a primary everyday card.