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SHUTDOWN ALERT: $15,000 Walmart OnePay Bad Credit No-Doc Trap! Synchrony Denied You!
Walmart OnePay is a new credit card program from Synchrony Bank that offers two options: the OnePay CashRewards Card for everyday spending and the OnePay Walmart Spend Card for Walmart-only purchases. These cards are designed to work seamlessly with the Walmart app, mobile wallet, and in-store checkout for a faster, more secure payment experience.
What Walmart OnePay Offers
Two card types: you are first considered for the CashRewards Mastercard; if you do not qualify, you may be offered the Walmart-only Spend Card instead.
The CashRewards Card works anywhere Mastercard is accepted, with boosted rewards when you shop at Walmart and Walmart.com.
The Spend Card is limited to Walmart and Walmart.com but can be easier to qualify for and still integrates with Walmart Pay and the Walmart app.
Rewards and Limits
Walmart+ members can earn up to 5% cash back on Walmart purchases, while non-members may earn a lower but still elevated rate on Walmart spending.
The CashRewards card can earn a base rate on non-Walmart purchases, helping you get rewards on gas, everyday bills, and other shopping.
Some offers and marketing highlight potential limits up to around $8,000–$20,000 with soft-pull style prequalification and approval pathways that may work even for consumers in the 600s credit score range, though actual credit lines depend on approval criteria and income.
How OnePay Works at Walmart
You can add the OnePay card into the Walmart app and use it with Walmart Pay for contactless, in-store checkout.
OnePay can be used for managing payments, simplifying in-store and online checkout on Walmart.com, and speeding up your transaction at self-checkout or regular lanes.
There are also ways to use the card setup for cash access or cash-like transactions, covered in step-by-step tutorials that show how to move money or withdraw at Walmart where allowed by card terms.
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