How the Walmart Credit Card Stacks up vs. Competitors
It could be an ideal option for loyalists, but there are other cards to consider, including ones with better rates outside of Walmart.

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Fans of Walmart’s low prices can save even more money on Walmart purchases with the OnePay CashRewards Card. The $0-annual-fee card earns:
5% cash back on purchases at Walmart and Walmart.com for Walmart+ members.
3% back on purchases at Walmart and Walmart.com for non-members.
1.5% back on all other purchases.
Those rates are quite good for a store credit card. And because Walmart sells basically everything, you can earn rewards on, well, basically everything.
Prime Visa
Annual fee: $0, but an annual Amazon Prime membership is required, starting at $139 per year ($69 per year for students).
Rewards: 5% back at Amazon.com and Whole Foods Market; 2% back at restaurants, gas stations, plus local transit and commuting (including rideshare); 1% back on all other purchases.
Sign-up bonus: Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
APR: The ongoing APR is 19.49%-28.24% Variable APR.
How it compares with the OnePay CashRewards Card: A Prime membership is required to get the Prime Visa, while there’s no such requirement for the OnePay CashRewards Card. (You only need a Walmart+ membership to earn the card’s top rewards rate.)
But Prime does pack a ton of perks, including free shipping. Walmart.com orders under $35 have a shipping fee, though, again, Walmart+ members can save on that. Brand loyalty also factors in. If Whole Foods is your go-to grocer, you'll net 5% back with the Prime Visa. The OnePay CashRewards Card can match that, but only for groceries from Walmart.
The sign-up bonus for the Prime Visa is more generous than the one offered by the OnePay CashRewards Card, and spending isn’t required to earn the bonus.
Target Circle™ Credit Card
Annual fee: $0.
Rewards: 5% discount on all eligible Target purchases.
Sign-up bonus: Earn $50 in Target Circle Rewards when you spend $50 or more on qualifying purchases..
APR: The ongoing APR is 28.95%, Variable APR.
How it compares with the OnePay CashRewards Card: Target offers three cards: A debit card; a Mastercard that can be used virtually anywhere; and the Target Circle™ Credit Card, which can be used only within the Target brand. The Mastercard isn't available for direct applications but may be offered as an upgrade from the Target Circle™ Credit Card. Still, all Target cards give you the same upfront 5% discount on eligible Target or Target.com purchases, which may be easier than keeping track of different rewards rates. Like Walmart, Target already offers free shipping on orders over $35 — but unlike the OnePay CashRewards Card, the Target Circle™ Credit Card extends that benefit to orders under $35 as well (with some exceptions). You'll also get a 10% discount every cardholder anniversary, plus an extended return policy — neither of which is available with the OnePay CashRewards Card. What you won't get with Target Circle™ Credit Card? Rewards or discounts on non-Target purchases.
Costco Anywhere Visa® Card by Citi
Annual fee: $0. But you must have a Costco membership, which starts at $65 per year.
Rewards: 5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging purchases for the first $7,000 in combined spending per year, and then 1% thereafter; 3% back on restaurants and eligible travel purchases; 2% back at Costco and Costco.com; 1% back on all other spending.
Sign-up bonus: N/A.
APR: The ongoing APR is 19.24%-27.24% Variable APR.
How it compares with the OnePay CashRewards Card: The Costco Anywhere Visa® Card by Citi offers better rewards on gas, travel and restaurant spending than the OnePay CashRewards Card. However, a Costco membership is required to get the card, and that isn't free. Plus, unlike the OnePay CashRewards Card, there's not a lot of redemption flexibility. With the Costco Anywhere Visa® Card by Citi, you get your rewards once a year in the form of a certificate. Redemption options are limited to cash back or merchandise.
Rewards earned with the OnePay CashRewards Card may be redeemed for direct deposit or statement credit.
The Sam's Club® Mastercard® is another co-branded wholesale club card option, and similar pros and cons apply: higher rewards, but a membership fee. The card is worth noting, though, given its exceptional rewards rate on gas and the relatively low annual cost of Sam's Club membership. For more information, see our full review.
Citi Double Cash® Card
Annual fee: $0.
Rewards: 2% cash back on every purchase: 1% back when you buy, 1% back as you pay for those purchases.
Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
APR: 0% intro APR on balance transfers for 18 months, and then the ongoing APR of 17.99%-27.99% Variable APR.
How it compares with the OnePay CashRewards Card: The Citi Double Cash® Card isn't a store card, but this flat-rate cash-back card is a good one to use at any store, whether you shop online or in person. By contrast, the OnePay CashRewards Card only earns elevated rewards on Walmart purchases; everything else earns just 1.5% back.
The 0% intro APR offer on the Citi Double Cash® Card could also be helpful if you're looking for some breathing room on existing debt.
Discover it® Cash Back
Annual fee: $0.
Rewards: 5% cash back in rotating quarterly categories on up to $1,500 in purchases each quarter (requires activation); 1% back on all other purchases.
Welcome bonus: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
APR: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.99%-26.99% Variable APR.
How it compares with the OnePay CashRewards Card: The OnePay CashRewards Card’s highest rewards rate tops out at 5% and is limited in scope, but the Discover it® Cash Back offers the ability to earn 5% back in several categories on a rotating quarterly basis throughout the year. The bonus categories are often big-budget items for families such as groceries, restaurants and streaming. The Discover it® Cash Back also features a potentially lucrative welcome offer.
Blue Cash Preferred® Card from American Express
Annual fee: $0 intro annual fee for the first year, then $95.
Rewards: 6% cash back* at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% back on select U.S. streaming subscriptions; 3% back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more); 1% back on all other purchases. Terms apply (see rates and fees).
Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
APR: 0% intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 19.99%-28.99% Variable APR.
How it compares with the OnePay CashRewards Card: The Blue Cash Preferred® Card from American Express offers some of the highest cash-back rewards you'll find on groceries, but it has a $0 intro annual fee for the first year, then $95. Still, you'd need to spend only about $31 per week in that category to break even on the annual fee, and that doesn't even take into account the card's generous welcome offer or its earnings on streaming, gas and transit. On typical everyday expenses, the Blue Cash Preferred® Card from American Express outearns the OnePay CashRewards Card in most areas, with one potentially deal-breaking exception: online shopping. Also, while the Blue Cash Preferred® Card from American Express earns 6% back at U.S. supermarkets, superstores like Walmart and wholesalers like Costco don’t fall under that category, so you'd earn just 1% back at such retailers. Terms apply.
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