🛒 OnePay Walmart: Build Credit, Earn Cash Back, and Save Smarter

By Jose Rodriguez | Editor, TheFinanceApe.com

If you're shopping at Walmart, why not build your credit, earn cash back, and grow your savings—all at the same time? With OnePay, you get powerful tools designed to improve your financial health without high fees or complex requirements.

Let’s break it down.

💳 OnePay Credit Builder: Boost Your Credit Without Debt

OnePay's Credit Builder helps you grow your credit score by making small, consistent payments on a 0% interest loan. There are no fees, no interest, and no credit check required.

✅ How It Works:

• You open a free locked account funded with a $300 loan
  
  

• Each month, you pay just $1, and $24 comes from the locked funds
  
  

• A $25 monthly payment is reported to all three credit bureaus
  
  

• After 12 months, the loan is paid off and you get $12 back
  
  

To qualify: Receive $500+ in direct deposits this or last month, or have a $5,000+ balance at month-end.

This consistent payment history helps build or repair your credit, making it easier to qualify for better financial opportunities in the future.

🏆 Earn 3% Cash Back at Walmart

Whether it’s groceries, school supplies, or household items, you’re probably already shopping at Walmart. With OnePay, those purchases now put money back in your pocket.

Walmart Rewards:

• 3% cash back at Walmart (up to $150 spent/month) with OnePay Cash+
  
  

• 1 point per $10 spent with OnePay Cash or Wallet
  
  

• 10% cash back on your first Walmart purchase (up to $200)
  
  

• 100 points = $1 in cash back, directly into your OnePay Cash account
  
  

Points are also earned at gas stations, restaurants, and major brands, so you're constantly stacking value.

💰 OnePay Cash Features & Benefits

Beyond building credit and earning rewards, OnePay gives you access to a full suite of banking benefits designed for smart, everyday money management:

• ✅ 3.75% APY on savings – one of the highest savings rates available
  
  

• ✅ No monthly fees – keep more of your money
  
  

• ✅ Fee-free overdraft protection (up to $200)
  
  

• ✅ Debit rewards for shopping, dining, fuel, and more
  
  

• ✅ Redeem points easily for instant cash back (minimum 25 points)

📈 Why This Matters

With OnePay, your regular spending becomes a tool for growth:

• You're building credit history with zero interest
  
  

• You’re earning cash back at places you already shop
  
  

• You're growing your savings with a high 3.75% APY
  
  

• You’re avoiding fees that eat into your money

💬 From The Finance Ape:
The OnePay + Walmart combo is perfect for anyone looking to build credit, earn rewards, and save smarter—especially if you're on a budget or just getting started financially.

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