Going to the gas station is stressful these days not only because the cost of a fill-up is at record prices per gallon but deciding which cash back card to use.
OnePay is a financial app backed by Walmart that combines banking, payment cards and cash-back offers. Hereâs a quick look at whether it deserves a spot in your wallet:
⢠Cost: No monthly account fee or minimum balance. ⢠Where it works: Beyond Walmart, including participating gas stations. ⢠Wallet-friendly: Eligible OnePay cards work with Apple Pay and Google Pay. ⢠Main draw: $1 cash back per gallon on Wednesdays through January 15, 2027. ⢠The commitment: Youâll need an eligible OnePay debit or Builder Card; your existing rewards credit card wonât qualify.
Worth considering if you regularly buy gas on Wednesdays and have participating stations nearby.
Weâve covered ways to save with Caseyâs, 7-Eleven and Shell Fuel Rewards. Hereâs another offer to check before your next fill-up: OnePay is offering $1 cash back per gallon on Wednesdays at participating stations through January 15, 2027.
Thereâs an important catch: the rules changed in October. You now need an eligible OnePay debit card or OnePay Builder Card. Linking your favorite rewards credit card to OnePay wonât qualify it for this Wednesday bonus.
Which OnePay card do you need?
A few of the Onepay debit card selections
The eligible cards are the OnePay debit card and the secured OnePay Builder Mastercard. The OnePay CashRewards credit card is excluded, along with third-party cards such as Chase Freedom, Freedom Flex, Discover and Amexâeven when linked to OnePay Wallet.
You don’t need Walmart Plus, Sam’s Club, or any membership to get this $1 per gallon discount! If youâre using the debit card, fund your OnePay account before filling up. The promotion doesnât list Walmart+ or OnePay+ membership as a requirement.
OnePay is backed by Walmart and Ribbit Capital, with banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. âWalmart-backedâ is an accurate description, but the cards and gas offers extend beyond Walmart.
Does OnePayâs gas offer work with Apple Pay or Google Pay?
Yes. OnePayâs rewards terms allow its debit and Builder Cards to earn through these gas offers using either the physical card or a virtual card stored in a digital wallet. That supports using the eligible OnePay card through Apple Pay or Google Pay at a compatible pump.
Frugal readers have reported successful Wednesday bonuses with both wallets. Paying inside the 7-Eleven or Speedway app has produced mixed results, however: some received the bonus, while others received only the small regular gas reward.
My practical recommendation is to activate the offer in OnePay, then pay directly at the pump with the eligible OnePay cardâphysical or through Apple Pay or Google Pay. Treat station-app payment as less predictable based on the current reports.
How to get OnePayâs $1-per-gallon gas cash back
$1 Per Gallon Cash Back but only one day a week. Times things properly to maximize your gas savings.
Find the exact station address in OnePayâs gas offers and activate its fuel offer before purchasing. Check the fuel grade, eligible card and limits, then fill up while the offer remains active. OnePayâs Upside offers normally expire four hours after activation.
Pay with your eligible OnePay debit or Builder Card, and keep your receipt and screenshots until the reward arrives.
Check Caseyâs, Murphy, 7-Eleven, Speedway, Shell and other nearby stations in the app rather than relying on a chain-wide list. A participating brand doesnât mean every location participates. Gas offers are unavailable in New Jersey and Wisconsin, and Wednesday eligibility runs from 12:00 a.m. to 11:59 p.m. Pacific Time.
OnePay vs. Upside: Choosing your payment card
The biggest difference is which card you can use. With the standalone Upside app, you can claim a gas offer and pay with an eligible rewards card you already own, such as Chase Freedom, Freedom Flex, Discover or an American Express card. That lets you earn the Upside rebate alongside whatever rewards your card earns on the purchase. Quarterly bonuses still require the correct category, activation and available spending allowance.
OnePayâs current $1-per-gallon Wednesday promotion requires payment with an eligible OnePay debit or Builder Card. You canât pay with Chase or Amex and also receive that Wednesday bonus, even if youâve linked the card to OnePay Wallet. Youâre choosing between OnePayâs promotional rebate and the combination of Upside plus your credit-card rewards.
For example, if your card earns 5% on a qualifying gas purchase at $3.50 per gallon, thatâs 17.5 cents per gallon in card rewards. Add your available Upside rebate and compare the total with OnePayâs $1 offer, taking each stationâs starting price into account.
Can you collect both OnePay and Upside gas rewards?
This is a separate stacking question. OnePayâs gas offers are powered by Upside, so claiming the same fill-up in both apps should not be treated as two independent rebates. Upside warns that purchases already processed through an affiliate cash-back program can be ineligible.
The practical approach is to choose one appâs gas offer for each purchase. With standalone Upside, you can also earn your payment cardâs applicable rewards. With OnePayâs Wednesday promotion, you must use its eligible debit or Builder Card.
Can you stack OnePay with Chase Freedom, Freedom Flex or Discover?
You canât combine those cardsâ rewards with OnePayâs current $1 Wednesday bonus, because the gas purchase must be paid with an eligible OnePay card.
The alternative is standalone Upside plus an eligible rewards credit card. Upside supports major credit cards, including Discover, and can work alongside credit-card rewards. A Freedom, Flex or Discover card earns its quarterly bonus only when the purchase qualifies for an activated category and remains within the spending cap.
Donât assume gas earns 5% every quarter. For example, Chaseâs OctoberâDecember 2026 categories are groceries, dining and American Red Cross donations; gas isnât included. You may have to wait until January 2027 to get that 5 times back on fuel with the Freedom Visa from Chase but you can stack that with the Upside app.
For comparison, at $3.50 per gallon, 5% cash back is 17.5 cents per gallon. Add the actual Upside rebate and compare that total with OnePayâs $1 offerâand compare the stationsâ starting prices, too.
Can you stack Caseyâs, 7-Eleven or Shell loyalty discounts?
Station loyalty savings are a possible additional layer, but avoid assuming every combination will preserve the full rebate. Upside allows station rewards and coupons while warning that they may reduce its cash back. That general policy doesnât guarantee how every discount interacts with OnePayâs Wednesday promotion.
Where supported, entering your loyalty number at the pump lets you apply station savings while paying directly with OnePay. Both Caseyâs and 7-Eleven offer phone-number redemption options. Some app-specific offers, such as 7-Eleven Price Lock, require mobile payment inside the stationâs app, where OnePay readers have reported inconsistent tracking.
OnePay gas cash back: Mistakes to avoid
Nextdoor residents are catching on to the gas hacks from using the One Pay debit card from Walmart where they bought gas at Casey’s and 7 Eleven.
The biggest mistake is following old instructions. The current promotion requires an eligible OnePay debit or Builder Card, and the $1 replaces the gas offerâs normal cents-per-gallon reward. A 10-cent offer doesnât automatically become $1.10. Some readers report also receiving OnePayâs monthly gas-category percentage reward, but donât count on that extra reward as guaranteed.
Check the exact station, fuel grade and offer before purchasing. A convenience-store offer may cover purchases inside rather than fuel, and a station that participated last week may disappear from the map. Activate the correct offer before paying and save a screenshot of its terms.
Donât assume a universal 50-gallon allowance. The individual offer controls its gallon and spending caps. OnePayâs general terms allow up to two gas redemptions at a specific location per day, subject to the offer. Each purchase needs its own active offer.
A delayed reward isnât necessarily a failed reward. Readers report base rewards and bonuses appearing separately, sometimes days apart. Keep your receipt showing the date, station, gallons and amount paid. If the expected bonus remains missing, that documentation will help when contacting support. OnePayâs general terms allow rewards to take up to 60 days, with individual bonus terms also governing timing.
Finally, leave room for a pump authorization hold. Gas stations can temporarily hold more than the final purchase amount, so funding your account with only the exact amount you expect to spend may lead to a decline. OnePay suggests trying a specific-dollar purchase with the cashier if payment at the pump is declined.
This is cash back after purchase, earned as OnePay Points. If the pump charges $3.36 and you earn $1 back, your effective cost is $2.36 per gallonâyou still pay the higher amount upfront.
Offer details checked October 14, 2026. Check the current in-app terms before filling up, since OnePay may modify or cancel the promotion.
Our credit card strategy has changed from travel to earning more points while not traveling during this pandemic. One thing we did while quarantined and ordering online is we collected points and miles in order to save money in the future. Our strategy has changed wanting more benefits with travel and high cash back on Gas.
That space in your wallet or purse is valuable, and you should be the one to get that value. Selected banks are offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would personally apply for right now, if I didnât already have most of them. Notable changes:
IHG Hotels 140k/75k â 140k still highest ever, new 75k traveler offer.
Chase Freedom Unlimited raised to $250 Bonus plus extra cashback on groceries and gas stations
AmEx Blue Cash Preferred to Add Streaming, Transit Bonus Categories
If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. You donât need to be a âI only fly business classâ world traveler. I mostly use my rewards points on domestic economy flights, mid-class hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.
This is a companion post to my Top 5 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.
A top travel card is now offering 100,000 bonus points after $5,000 in spending. That’s enough for a dozen short-haul trips, lie-flat seats, or five-star stays.
âď¸ 1:1 transfers to major airline and hotel programs âď¸ 5x points on travel portal, 3x on dining âď¸ $50 annual hotel credit âď¸ No foreign transaction fees
$300 in statement credits every cardmember year for bookings made through Capital One Travel; this can be applied toward any type of travel booked through Capital One Travel, including flights, hotels, rental cars, etc. 10,000 bonus Venture miles on the account anniversary every year; thereâs no spending requirement to unlock this, and itâs worth a minimum of $100 toward a travel purchase, or could get you up to 10,000 airline miles (which I value at $170)
Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
$95 annual fee, free night award upon card anniversary.
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Marriott credit cards from Chase and American Express now earn an elevated 6X Marriott Bonvoy points per dollar spent on eligible grocery purchases amid coronavirus.
60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
$0 annual fee for the first year, then $99.
Barclays AAdvantage Aviator Red World Elite Mastercard
60,000 American Airlines miles after any purchase in the first 90 days and paying the $99 annual fee. See link for details.
$99 Companion certificate offer. Earn a certificate good for 1 guest at $99 (plus taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.
First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
$99 annual fee.
Citi Strata Premier Card
60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
3X points for every $1 spent on travel including gas stations.
Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
$95 annual fee.
Bank of America Premium Rewards Card
50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
$100 annual Airline Incidental Statement Credit.
Up to $100 credit towards TSA PreCheck or Global Entry application fee.
$95 annual fee.
Hawaiian Airlines World Elite MasterCard (Soon to be Alaska Airlines)
50,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
$99 annual fee.
During this Coronavirus pandemic your credit card rewards can help you pay for groceries, food delivery and essentials. This is by using points, gift cards, or statement credits from existing cards or new ones with bonuses.
Note: Certain Chase cards have a â5/24 ruleâ which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.
The Chase Sapphire Preferred Card is one of our all-time favorite travel rewards cards up there with the Venture X Card â and right now, itâs offering a welcome bonus of 100,000 Ultimate Rewards points. There’s never been a better time to apply for this ultra-well-rounded $95 annual fee card. And we’ll show you why.
Welcome Bonus: Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Go here and start earning towards summer travel!
Earn 100,000 Points With the Chase Sapphire Preferred
As a new applicant for the Sapphire Preferred, you can earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
This offer is nothing short of incredible; it’s the most generous welcome bonus weâve seen on this card in nearly four years. We highly recommend this card and this Southwest Airlines offer as our top two deals right now.
What is this Sapphire Preferred welcome offer worth?
The value of the Sapphire Preferred welcome bonus depends on how you choose to redeem your new stash of Ultimate Rewards points. But no matter how you use them, these points are worth a lot.
To get the most value, one of the best strategies is transferring your points to Chaseâs 14 travel partners. On average, RewardsCards users redeem Ultimate Rewards points this way for 1.93¢ each â making the bonus worth over $1,900 toward award travel. And Chase has some excellent partners, including Marriott, World of Hyatt, IHG, Virgin Atlantic Flying Club, and United MileagePlus.
If youâd rather avoid the hassle of transferring points and searching for award space, you can redeem points earned with the Sapphire Preferred at a fixed rate of 1.25¢ each through Chase Travel.
Cardholders can also combine Ultimate Rewards points earned across their entire portfolio of Chase cards into a single account. That makes it easy to maximize card earnings and accumulate enough points toward your next redemption.
Why Should You Get the Sapphire Preferred?
It’s important to remember that the unpredictable economy could limit the availability of large bonuses like this from major banks, such as Chase. This might be the last opportunity before a potential recession or housing market downturn. Accumulate your points and choose the credit cards that will be most beneficial during difficult times, while also investing in future travel and better times.
Welcome bonus aside, the Sapphire Preferred is an incredibly well-rounded travel rewards card. It’s one we recommend to beginners and seasoned travelers alike. Here are just a few reasons why.
Lucrative earning rates
It’s easy to stock up on Ultimate Rewards points thanks to the Sapphire Preferredâs many bonus categories. With this card, you’ll earn points as follows:
5X points on Lyft rides through March 2025
5X points on travel purchased through Chase Travelâ
3X points on dining at restaurants worldwide
3X points on eligible streaming services
3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
2X points on all other travel
1X point per dollar spent on all other purchases
Several useful benefits
The Sapphire Preferred has a lengthy list of practical benefits, including:
$50 annual hotel credit.
10% anniversary bonus points on the points youâve accumulated from purchases over the past year.
Complimentary DashPass from DoorDash.
Primary collision damage waiver (CDW) insurance on car rentals worldwide.
Trip delay reimbursement of up to $500 per ticket for delays of 12+ hours.
Trip cancellation and interruption insurance up to $20k per covered trip.
Lost luggage reimbursement and baggage delay coverage.
Extended warranty and purchase protection.
No foreign transaction fees.
Reasonable annual fee
The Sapphire Preferred offers cardholders a lot of value â and you’ll get it all for just a $95 annual fee.
Whoâs Eligible for This Sapphire Preferred Welcome Bonus?
Chase enforces multiple restrictions on rewards credit card applications. The first is a published application rule stating you canât get the Sapphire Preferred if you currently hold a Sapphire card or have received a signup bonus for one in the previous 48 months.
âThe product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 monthsâŚâ
Keep in mind that you can still get this increased sign-up bonus if you’re currently an authorized user on another Sapphire Preferred account.
Chase cards are also subject to a second, unpublished rule known as the Chase 5/24 policy. If youâve been approved for five or more personal credit cards in the previous 24 months (from any card issuer), you likely wonât be approved for this card.
$1,050 in foolproof free travel
While not the absolute highest-possible redemption value, the easiest way to use your Chase points for travel is through the Chase Travel Portal.
With the Chase Sapphire Preferred, you can redeem points for airfare, hotel stays, rental cars, and more at a rate of 1.25 cents each. The Chase Sapphire Preferred 100k bonus points offeris worth a guaranteed $1,000 in travel at the very least.
There are several benefits to redeeming your Chase points through the Chase Travel Portal:
It doesnât require you to be familiar with the intricate aspects of awards travel, such as understanding which airline and hotel transfer partners offer the best value for specific situations.
You can book boutique hotels that donât participate in a loyalty program.
You wonât have to worry about blackout dates and award availability.
You can also redeem your points in tandem with the Chase Sapphire Preferred annual $50 hotel credit.
The Chase Sapphire Preferred offers up to $50 in hotel credit each cardmember anniversary year. As long as you pay for a hotel through the Chase Travel Portal with your card, youâll automatically receive a statement credit within a few days.
Bottom Line
It’s not very often we an increased offer on the Sapphire Preferred â much less one that offers 100,000 points. The offer is normally only 60,000. If you’re eligible to apply for this card and earn the welcome bonus, this is a limited-time card offer that you won’t want to miss!
We recently saw the introduction of the new Capital One Venture X Rewards Credit Card, which is Capital Oneâs new premium credit card. May travel experts are saying this is the card you should be replacing your American Express Platinum and Sapphire Chase travel cards with as the best card. This card builds on the basics of the Capital One Venture Rewards Credit Card (review), which has long been Capital Oneâs flagship travel credit card.
With many Capital One Venture cardmembers trying to make sense of the Capital One Venture X and compare to see which card is better and if you are you eligible for the Venture X if you have the Venture we are looking to address some of these questions here.
Both cards offer 2x Venture miles per dollar spent with no foreign transaction fees, making these the best cards for everyday spending. They both offer a TSA Precheck or Global Entry fee credit once every four years.
Capital One Venture cards are one of the best overall for travel rewards
The Venture X is such a no-brainer over the Venture. The cardâs annual fee is $300 higher ($395 vs. $95), but for that youâre getting
A welcome bonus of 100,000 Venture miles plus a $200 vacation rental credit upon completing minimum spending, rather than a bonus of 60,000 Venture miles A $300 credit valid through Capital One Travel every cardmember year, which you can apply towards flights, hotels, and rental cars 10,000 Venture bonus miles on your account anniversary every year, which you can transfer to Capital Oneâs airline and hotel partners, or can be redeemed for one cent each towards a travel purchase A Priority Pass membership plus Capital One Lounge access (the DFW lounge is amazing); these benefits apply not only to the primary cardmembers, but also to up to four authorized users, which you can add to your card at no cost Hertz Presidentâs Circle status, which will score you upgrades and more when renting with Hertz A variety of protection benefits on account of this being a Visa Infinite Card, including cell phone protection 10x miles on hotel and rental car purchases through Capital One Travel, and 5x miles on flight purchases through Capital One Travel
The math works out very favorably here. For the Venture X youâre paying an extra $300 per year over the Venture, and the $300 Capital One Travel credit should cover that. Then youâre receiving endless incremental perks, like the anniversary bonus miles, lounge access for you and up to four authorized users, and so much more.
Access the Capital One Lounge DFW with the Venture X How should you acquire the Venture X if you have the Venture? Say you have the Capital One Venture, and you decide that you want to pick up the Capital One Venture X. Whatâs the best way to go about it? You have two options â you can either apply outright, or you can potentially upgrade your card. Letâs go over the details, as well as the pros and cons, of each of these options.
Apply outright for the Venture X and receive the bonus Even if you have the Capital One Venture, you can still apply for the Capital One Venture X, and be eligible for the welcome bonus. This is no doubt the most lucrative path to getting the card:
Youâd be eligible for the welcome bonus of 100,000 Venture miles plus a $200 vacation rental credit You donât have to pick up the phone, as you can apply for the card directly online The downside to this method is that this would be like any other credit card application, so your credit would be pulled, and youâd have to be approved for the card; that being said, there are lots of reports of instant approvals on the card, and you may even end up with a significantly higher credit line than you have on the Venture
Redeem your Venture miles for Emirates first class Product change & upgrade to the Venture X Most credit card issuers will let you product change between cards in the same âfamily,â assuming youâve had a card for at least 12 months (generally product changing isnât possible within the first year). This will be an option for many, but generally isnât as lucrative:
You donât receive the welcome bonus if you product change or upgrade from the Venture to the Venture X Some Venture cardmembers are being targeted for an upgrade offer of 50,000 miles if upgrading from the Venture to the Venture X; however, this is targeted (so check your email or online account), and for that matter thatâs still a far cry from the standard welcome bonus of 100,000 miles plus a $200 vacation rental credit The benefit of this option is that thereâs generally no credit pull when product changing (though youâll want to officially verify when you make the request, based on your situation); so this could be useful if you donât think youâd be approved, or if youâre trying to stay under Chaseâs 5/24 limit
You may be able to upgrade to the Venture X The strategy Iâd take for acquiring the Venture X If it were me, Iâd try to apply outright for the Capital One Venture X, given the exceptional welcome bonus being offered. Unless you have a specific reason that this would be problematic, that seems like the best bet. Personally I value Capital One miles at 1.7 cents each, so that welcome bonus is worth around $1,900 to me, which is massive.
We recommend you apply outright, even if I had the Venture Card. However, in the event that you get denied or have issues with approval, you can always later try to product change from the Venture to the Venture X. Even if you get rejected for the application, that wouldnât impact your odds of being able to product change to the card in the future.
Bottom line The new Capital One Venture X is a highly lucrative travel rewards credit card. Itâs a no-brainer to get this card over the Capital One Venture. While the annual fee is $300 higher, there are so many incremental perks that should prove worthwhile for anyone who travels with any frequency.
For those who already have the Venture, there are a couple of ways you could acquire the Venture X. You could apply outright, which is what I would do, since youâre eligible for the massive bonus on the card. Alternatively, you may also be able to product change. The catch is that you wonât be eligible for the full bonus â you may be targeted for some sort of an upgrade offer, but it will be at most 50,000 Venture miles.
We are so ready for Halloween! On October 3rd starting at 10 a.m. the first 150 MyLoweâs reward members can get an exclusive FREE Trick or Treat Tote Bag! Limited quantities. One per member. While supplies last.
Make sure to always spend wisely and maximize your cash back using Ibotta and 5x Credit Cards at home improvement stores such as Lowe’s.
Reminder: You can get a FREE Craft Ice Mold by LG at Loweâs on September 19th!
Free Holiday Ornament from Lowe’s
Loweâs is offering a Free Holiday Ornament to MyLoweâs Rewards Members. Reserve now for pickup 10 a.m. and 1 p.m. on Friday, Nov 8th or Saturday, Nov 9th. Save more on hardware and department store purchases with these rewards credit cards.
Free 1-pint flower at Loweâs
Head over to Lowe’s for a Free 1-pint flower on May 14. On Sunday, April 30 at midnight eastern you can RSVP for a Free Motherâs Day Flower Giveaway at Lowe’s stores on May 14 at 10AM. Mark your calendars.
Earn 5% Back at Lowe’s for Mother’s Day Gifts with Chase Freedom
For the second quarter of 2023, the Freedom Flex Card is offering 5x points on the first $1,500 spent with Amazon and Loweâs. As far as key dates go:
If you do not yet have a Chase FreedomFlex Card you can go here and read our review and get a $200 sign-up bonus.
You need to register between March 15 and June 14, 2023. If you register, you can earn 5x points between April 1 and June 30, 2023
