ONE App review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
One App is built for families who want a card their children can use alongside their own, with an annual fee of $0 and cash back of 1.5% on every purchase. The tradeoff is the credit side, where purchases carry an APR of 20.99% to 31.49%.
Key facts
- Best for
- A family card that pays cash back with no annual fee.
- Annual fee
- $0 (Source, checked September 26, 2026)
- APR
- 20.99% to 31.49% (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- Cash back on every purchase (Source, checked September 26, 2026)
- Cashback rate
- 1.5% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Audience
- Kids
- Official website
- onepay.com
Debit cards
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- The annual fee is $0 on a card built as a no annual fee product (no annual fee).
- Cash back of 1.5% on every purchase, paid as cash rather than points.
- Currency conversion fee of 0% against a site median of 1%.
- Aimed at kids, with rewards as the listed feature.
Cons
- The credit card charges an APR of 20.99% to 31.49%, so a carried balance costs where the fee does not.
- Support runs on help centre only, so help leans on written answers.
Who it suits
- Parents adding a card for their children, since the audience is kids.
- Households that shop often with a partner and want cash back at 1.5% on spending they were going to make anyway.
- Travellers who would rather not pay a conversion charge, with a currency conversion fee of 0%.
Who should look elsewhere
- Anyone who wants to carry a balance at no interest: Varo Believe Secured Credit Card has an APR of 0%, where this card charges 20.99% to 31.49%.
- People who want no borrowing element at all, since this is a credit card and Varo Visa Debit Card is the debit-only route on the shortlist.
Where it sits among rivals
On annual fee it sits at 1 out of 301 brands, and on currency conversion fee at 1 out of 181. Both lists are large, so the placing is a broad measure. Near the top of each means the cheap end of the market on the two costs readers check first.
How ONE App compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.2
9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 9.0
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.2Its annual fee is €0, so it also carries no annual charge for readers after a euro priced card.
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 9.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
- 9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Frequently asked questions
What does the One App credit card cost to keep?+
The annual fee is $0 and the card is built as a no annual fee product (no annual fee). The cost to watch is the credit side, where the APR is 20.99% to 31.49% if a balance is carried from month to month.
How much cash back do I earn?+
Purchases earn 1.5% and the rewards type is cashback, so there is a single rate to keep in mind rather than a points scheme to convert later.
What does it cost to spend in another currency?+
The currency conversion fee is 0% on the card, against a site median of 1%. That makes it a low cost card abroad, where a charge on every foreign transaction can otherwise add up over a trip.
Is there a debit card as well as the credit card?+
Yes, the card type is debit and there is also a credit card, so a family can keep everyday spending on debit and put rewarded purchases on credit. The feature listed for the card is rewards.
Who is this card aimed at?+
The audience is kids, which makes it a family product rather than a card built for one adult. Parents who want a card their child can hold alongside their own, with cash back on the spending, are the natural fit.
How do I get help if a payment or the card goes wrong?+
Support runs through a help centre, so most questions are answered in writing. Phone and live chat are not channels listed for this brand, so it is worth keeping your own record of card activity.
What happens if I do not pay the balance in full?+
The APR is 20.99% to 31.49%, so carried interest is the main cost here rather than the annual fee. Paying the balance in full each month removes that charge, which makes the card a spend and repay choice rather than a borrowing one.
Sources
- financeply.com/article/628947-walmarts-new-credit-card-pr... checked September 26, 2026
Backs: APR, Cashback rate, Currency conversion fee
“variable purchase APR of 20.99% or 31.49%”
- thepointsguy.com/credit-cards/reviews/one-pay-cash-reward... checked September 26, 2026
Backs: Annual fee, Pricing model
“The issuer also lists no annual fee”
- onepay.com checked September 26, 2026
Backs: Audience, Card type, Support channels
“Teens learn smart money skills while parents stay in control - OnePay Family”
- onepay.com/credit-card checked September 26, 2026
Backs: Card kind, Features, Rewards rate, Rewards type
“Earn cash back on every purchase with the OnePay CashRewards Card”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.