5
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 5 Total
PENDINGAccessibility 1
No Credit Check for Application
No credit checkApplying for the OnePay Card does not involve a credit check, making it accessible to a wider range of users.
Convenience 1
In-App Card Management
Walmart app integrationUsers can manage their OnePay Card, add funds, and track transactions conveniently through the Walmart app.
Financial 3
No Monthly Fees
No monthly feesThe OnePay Card does not impose any recurring monthly maintenance fees on cardholders.
No Minimum Balance Requirement
No minimum balanceCardholders are not required to maintain a minimum balance on their OnePay Card account.
No Interest Charges
No interestAs a spend card, the OnePay Card does not accrue interest on purchases or balances.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the onepay-walmart-spend-card requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony's credit underwriting standards, which typically assess credit history and income. As a store-specific card, its primary utility and any bonus offers are generally restricted to Walmart stores, Walmart.com, and associated Walmart brands. For 2026, new cardholders may anticipate a promotional bonus, such as a percentage discount on their first Walmart purchase (e.g., 10-20% off) or a limited-time cashback offer on Walmart spending within the initial months.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally assesses credit applications based on overall credit exposure and recent application history across all its products, rather than strict 'card family' cliff effect rules. While there isn't a hard limit on the number of cards, new approvals become increasingly difficult with a high number of existing Synchrony accounts or recent credit inquiries.
Special Events: Walmart's major sales events, including Black Friday, Cyber Monday, seasonal clearances (e.g., Spring, Summer, Back-to-School), and anniversary sales, are key periods where the onepay-walmart-spend-card may offer enhanced rewards, special financing options, or exclusive cardholder discounts.
Holiday Promos: Major U.S. holidays such as Christmas, Thanksgiving, Memorial Day, Labor Day, and the 4th of July often coincide with store-wide promotions at Walmart, which may include special benefits or accelerated rewards for cardholders.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Easy to obtain, useful for budgeting, no credit check required.
Top Negative:
High fees, poor customer service, issues with activation and transaction disputes.
Approval Experience: 90.0 / 100
Recommended Alternatives
- Capital One Walmart Rewards Mastercard
- Walmart Rewards Card
- Bluebird by American Express
Card Value Score: 50.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 99.0%
Version Control
PENDINGVersion ID: v1.0