The only worthwhile option, PayPal, requires a fee of $1 fee for transactions under $15. This reduces the already negligible cash back amount (this instance, $3.22 -> $2.22 for spending $30 WITH the first-time bonus) I chose PayPal because I don't trust Plaid. I went to EZ mart to spend more, get barely enough cash back to make it worth using the bonus, just to use Walmart again for better prices? It's lunacy.