The OnePay CashRewards World Mastercard rewards_card is a personal credit card from OnePay CashRewards World Mastercard. Application typically pulls a soft_then_hard report from Equifax. The annual fee is $0. Approval typically requires a credit score of 640 or higher. Signup bonus: $35 statement credit after $75 in purchases. Rewards: Unlimited 5% back at Walmart in-store/online/pickup/delivery and Walmart-branded gas (with Walmart+); 3% Walmart without W+; 1.5% on everything else. Points redeem as statement credit or OnePay Cash deposit. Posts within 1-3 days of settlement.. Cash back: 5% at Walmart with Walmart+, 3% at Walmart without W+, 1.5% everywhere else (no caps). Typical credit limit: $2,000 - $10,000+ (community datapoints: $8,000 on 763 FICO, $9,000 reported). This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Soft-pull pre-approval reveals limit BEFORE you accept. After accepting, hard pull goes to Equifax (community-confirmed via credit-freeze test). No authorized users supported. No virtual card on approval — must wait for physical card.. Issued by Synchrony Bank, World Mastercard network. OnePay is the fintech front-end (formerly Walmart-backed). Replaces the dead Capital One Walmart Rewards card. Rewards post fast (1-3 days post-settle). Managed in OnePay app, not Synchrony portal. Budgeting-app sync (Rocket Money / YNAB / Monarch) is spotty. Sam's Club, third-party Walmart.com sellers, and stores-inside-Walmart (e.g. Subway) do NOT count as Walmart for the 5% tier. Approval datapoints: $8K limit at 763 FICO with prior Synchrony history; $9K reported by community member.