Did you know that Walmart has a co-branded credit card that earns up to 5% cash back in-store and online?
Walmart+ customers can snag unlimited 5% cash back on Walmart purchases (both in-store and online) with the Walmart OnePay CashRewards Card.
And now, for a limited time, OnePay is offering a chance to use it for unlimited 3% cash back on all purchases ANYWHERE for the duration of 2026. If you’re willing to jump through some hoops.
One of Team Clark’s members has the card in her wallet and recently received details on how OnePay will offer Walmart customers a chance to double their cash back on everyday spending for the rest of the year.
In this article, I’ll give you the details on this credit card (which we recommend for frequent Walmart shoppers) and show you the offer that has cardholders buzzing about additional cash back.
Quick Look: Walmart OnePay CashRewards Card
The Walmart OnePay CashRewards Card debuted in 2025 as a way for the world’s largest in-person retailer to compete with cards from Amazon and Target that offer their customers lucrative cash back.
Much like the Prime Visa card offers 5% back to Amazon Prime members, this card incentivizes its loyal customers who pay for Walmart+ subscriptions with 5% back on their purchases.
Here’s a quick breakdown of how that works:
Walmart OnePay CashRewards Card
Learn More →
Annual Fee:
$0
Rewards Program Details:
Walmart+ members earn unlimited 5% cash back on all Walmart purchases (in-store and online).
Non-members earn 3% cash back on all Walmart purchases (in-store and online).
All cardholders earn 1.5% cash back on non-Walmart purchases.
Walmart OnePay CashRewards Card Review
If you’re a frequent Walmart shopper, this card really is a no-brainer addition to your wallet. We detail the best strategy for using it as part of no-annual-fee credit card rewards plan here.
How Walmart Cardholders Can Get Unlimited 3% Back for 2026
Team Clark recommends that you carry a 2% cash back card in your wallet with no annual fee to serve as a “catch all” for good rewards on everyday purchases.
And, while this card offers a great chance at 5% back on Walmart purchases, it falls short of our everyday purchase goal with just 1.5% back on non-Walmart transactions.
But OnePay is offering a chance to double that with unlimited 3% cash back through December 31, 2026.
To qualify for this “double up” on non-Walmart purchases, you’ll have to set up a OnePay Cash account.
This is a banking product offered by the issuer of Walmart’s co-branded credit card. It has no monthly fees and offers up to 3.35% APY (at the time of this article) on savings accounts.
Once you’ve set up a OnePay Cash account, you’ll be required to do the following:
“Get and maintain Cash+ with Direct Deposits of $500+ a month or a total balance of $5,000+ at the end of the month.”
Should You Go For It?
There’s no doubt that unlimited 3% cash back on all purchases for the duration of 2026 is a pretty sweet deal.
But, you’ll have to stop and consider whether it’s worth jumping through all of these OnePay hoops to get it.
If you already have the card for your Walmart purchases and a 2% card for everything else, you may decide the extra 1% back for a few months is not worth the headache of setting up new accounts and rearranging direct deposits.
The Team Clark member who received this offer said she is not going to pursue it at this time.
“I still appreciate that they are working hard to make this card attractive,” she said. “They definitely have my business with 5% back at Walmart.”
And I agree that this is likely the right sentiment for most customers.
It’s great that OnePay is coming up with creative ways to give cash back opportunities, and the 5% back is still great for Walmart+ customers, but it’s just too many hoops for a short-term gain for most consumers.
If they were offering the unlimited 3% back indefinitely, then I’d say you may want to consider it.
Do you have this card? Does this offer interest you? We’d love to hear your thoughts in the Clark.com community.
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