**Recommended credit
Walmart OnePay
- Earn unlimited 3% cash back at Walmart — or level up to 5% cash back at Walmart with Walmart+. Plus, enjoy zero annual fee.
- Earn 3.35% APY on savings when you set up $500+ monthly direct deposit or maintain a $5,000 balance—significantly higher than traditional banks.
- Get paid up to 2 days early with direct deposit and manage both spending and saving in one unified digital account with customizable "pockets".
- Built-in budgeting tools including Pay Autosave (automatically allocate portions of your paycheck) and Round-ups (save the spare change from every purchase).
- Fee-free overdraft protection for OnePay Cash+ members—no interest charges or overdraft fees when you need a safety net.
- No monthly maintenance fees, access to 55,000+ ATMs nationwide, and FDIC insurance through partner banks.
- OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
- Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Customers can choose to earn on gas instead of at Walmart. Spend cap applies to your total spend across the cash back categories you selected during the month. See terms at https://www.onepay.com/legal/onepay-rewards-terms.
**Recommended credit:
All Credit Types Considered
Annual fee
$0
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**Recommended credit
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Walmart MoneyCard
Walmart MoneyCard®
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
- *Please see site for full terms and conditions.
**Recommended credit:
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Annual fee
$0
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Balance transfer
N/A
**Recommended credit
All Credit Types Considered
GO2bank
GO2bank™
- Overdraft protection up to $300 with opt-in and eligible direct deposit*
- No monthly fees with eligible direct deposit, otherwise $5 per month
- Earn up to 7% cash back when you buy eGift Cards in the app
- Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
- High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
- *Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.
**Recommended credit:
All Credit Types Considered
Annual fee
N/A
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N/A
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Balance transfer
N/A
* For complete information, see the terms and conditions on the credit issuer or provider's website. Once you click "Apply Now", you will be directed to the issuer or provider's website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer or provider itself. The offers are provided by third-parties from whom Credit.com receives compensation. Credit.com will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.
** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit offer.
†Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.
Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit.