OnePay CashRewards Card
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Walmart | 3% | 3% |
| Everything else | 1.5% | 1.5% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Other (4)
Walmart+ 5% Cash Back Boost
Earn 5% cash back at U.S. Walmart stores and Walmart.com (instead of the standard 3%) when you link an active Walmart+ membership to your OnePay account. Walmart+ is a paid membership sold separately by Walmart. The boost applies for as long as the membership stays active and linked — if it lapses, the Walmart rate reverts to 3%.
No Foreign Transaction Fees
No foreign transaction fees on purchases made outside the United States. Non-USD transactions are converted to U.S. dollars using the exchange rate in effect on the transaction or processing date.
Free Credit Score Monitoring
Free credit score monitoring available in the OnePay app at no additional cost.
Mastercard World Benefits
The card is issued on the Mastercard World tier, which carries Mastercard International's standard World benefit package including Zero Liability fraud protection and Mastercard ID Theft Protection. Specific coverages are set by Mastercard and can change — check your Guide to Benefits for current terms.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 4 OnePay CashRewards Card benefits automatically — redemption progress, reset dates and expiry alerts.