OnePayTM
Rewards
Earn and redeem OnePay Points for cash back with our rewards program.
How to earn OnePay Points
OnePay Points are earned through the OnePay Rewards Program. Earn points when you shop at Walmart and other top brands. Keep an eye out for limited-time offers to earn even more points.
How to redeem
OnePay Points
Once you have at least 25 OnePay Points, you can redeem them in the app for cash back into your OnePay Cash account. Each point is redeemable in value to 1 cent. For example, you could redeem 1,000 OnePay Points for $10.
You can also redeem points for a statement credit towards your OnePay credit card balance, or select another redemption option.
Ways to earn with the OnePay CashRewards Card
Credit Card
Unlimited 5% cash back at Walmart with Walmart+1
Earn on groceries, gas, prescriptions, and more — in-store, on Walmart.com, and at Walmart Fuel Stations. Learn more about Walmart+ member benefits.
Unlimited 3% cash back at Walmart without Walmart+1
Earn on groceries, gas, prescriptions, and more — in-store, on Walmart.com, and at Walmart Fuel Stations.
Unlimited 1.5% cash back on all other purchases1
Anywhere else Mastercard is accepted. Does not include Walmart purchases, which already earn 3-5% cash back.
OnePay Boosts
Keep an eye out for limited-time Boosts to earn extra OnePay Points or take advantage of other special offers and benefits.
Ways to earn with OnePay Cash
Builder Card
Pick your cash back category each month
At the start of the month, open the OnePay app and choose to earn on Walmart, gas, or dining. Earn 1 point per $10 spent with OnePay Cash.2
Level up to 3% cash back
With Cash+, earn 3% cash back (on up to $150 spent/month) on your selected category for the rest of the month.3
Shopping select brands
Earn OnePay Points on select brands.4 If you’re already a OnePay Cash customer, see the latest offers here.
Gas Rewards
Earn an average of 10¢/gallon cash back on gas.5 If you’re already a OnePay Cash customer, see participating gas stations near you here.
OnePay Boosts
Keep an eye out for limited-time Boosts to earn extra OnePay Points or take advantage of special rewards and benefits.
Ways to earn with OnePay Wallet
FYI: You don’t need a OnePay Cash account to use OnePay Wallet, but you do need one in order to redeem your points for cash back.
Welcome bonus offer
New customers can earn $10 cash back when they spend $5 or more in-store at Walmart or on Walmart.com.6 Available only to new customers who sign up directly with OnePay Wallet.
Everyday rewards at Walmart
Earn 1 OnePay Point per $10 spent at Walmart when you pay with Wallet.7
Gas Rewards
Earn an average of 10¢/gallon cash back on gas. Just swipe, insert, or tap your physical card to earn.5 If you’re already a Wallet customer, see participating gas stations near you here.
OnePay Boosts
Keep an eye out for limited-time Boosts to earn extra OnePay Points or take advantage of special rewards and benefits.
Join the millions of customers
banking through OnePay
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
Frequently asked questions
To start earning OnePay Points, you must have a OnePay Cash account, OnePay Wallet, a OnePay CashRewards Card, or a OnePay Walmart Spend Card. You can get started by downloading the app here.
Please note that if you’re a Wallet customer, OnePay CashRewards Card holder, or OnePay Walmart Spend Card holder, you can earn points without a OnePay Cash account, but you’ll need to open a OnePay Cash account in order to redeem those points for cash back.
And if you’re a OnePay CashRewards Card holder or OnePay Walmart Spend Card holder, you can also redeem points for a statement credit towards your balance.
There are lots of ways to use your OnePay Points! Redeem them for cash back into your OnePay Cash account, apply them as a statement credit to your OnePay CashRewards Card or OnePay Walmart Spend Card, or use your redeemed cash back to buy crypto with OnePay Crypto or invest in stocks with OnePay Invest.
Boosts are limited-time opportunities to earn more OnePay Points or take advantage of special rewards and benefits. Be sure to check the OnePay app to see if you have a Boost!
If you're a OnePay Cash customer who's unlocked OnePay Cash+ and chosen Walmart as your cash back category, you'll earn 3 OnePay Points (on up to $150 spent per month) for every $1 spent at Walmart.3
If you're a Wallet customer, of if you’re a OnePay Cash customer who hasn’t unlocked OnePay Cash+ and has chosen Walmart as your rewards category, you'll earn 1 point at Walmart for every $10 spent.2
If you’re a OnePay CashRewards Card holder with a Walmart+ membership, you’ll earn 5 OnePay points for every $1 spent at Walmart.1 If you’re a OnePay CashRewards Card holder without a Walmart+ membership, you’ll earn 3 OnePay Points for every $1 spent at Walmart.1
If you’re a OnePay Walmart Spend Card holder, look out for limited time opportunities to earn OnePay Points.
Sure thing! Check out more info on OnePay Cash here.
Sure thing! Check out more info on OnePay Wallet here.
Discover more
Build credit with every swipe with your Builder Card.8 Plus, cash back, Early Pay9, high-yield Savings, and more.
The simple way to stay up-to-date on your credit, for free.