BrightWay Reviews

I have had this card three weeks and it already is the worst card I have ever owned. I made a payment that was double the required amount because for a reason I have no answer for, my first initial payment didn't go through and was returned. So instead of $115, I paid $300. Now I only have a $500 balance mind you. My payment shows under transactions as paid, my STATEMENT shows available credit as it should be, but I cannot use my card because it is showing a negative balance on my app which they say will take TWO WEEKS to clear. WHAT?!? Soooo, you get your money for my balance but I don't get to use my card?!? Not to mention, the app has the same message at the top of my screen stating my card should have been delivered by whatever date....I have already activated, used and made a payment on such card....REMOVE the annoying message at the top!

This is the worse credit card you can acquire. DO NOT APPLY FOR A ACCOUNT WITH ONE MAIN FINANCIAL. I paid my card off and closed my account. I was told that I still had a balance remaining of 30 cents. They added three late payments to my credit report and added late fees as if the account was still open… I finally got on the phone with. Supervisor named John and he stated that my account was closed in September but I had a 30 cents balance and that was the reason for the late charges. THEY ARE RIDICULOUS… TERRIBLE!!!… DO NOT DO IT!!!

I have had this card for over a year without issues. Recently, every time I try to use it the card declines for 'suspicious activity'... No fraud alerts are on my account. I call customer service and that was the most disgusting customer experience I have ever gone through. Absolutely NO SOLUTIONS were offered to me and NO ANSWERS!... My credit limit is not exceeded, my payments are made early, no one deserves this. I genuinely HATE this card.

Horrible customer service!!!!! Can't get on app or webpage for 7 months.. Keep getting runaround. Make payments on time and they tell me to check app/web for offers to accept and can't get on.. Phone help for 51 min and still nothing. They tell me to wait for 72 working hours and try to sign up again has not worked 3 times!!! Pathetic!!!! Something needs to be done.

I’ve personally held this card now for 19 months, starting with a modest $500 credit line. Over that time, I’ve received two $100 credit line increases and most recently a $50 increase—which frankly caught me off guard. By comparison, my primary card with Prosper opened at $700, then increased by $900 after six months, followed by another $900 just 90 days later, bringing that line to $2,500. What’s puzzling is the disparity. I’ve never missed a payment, consistently pay well above the minimum, and maintain a credit score in the lower 700's. It’s not perfect, but it’s solid, showing responsibility to repay my debts—and certainly not indicative of such a conservative adjustment. This isn’t a bad card by any stretch, but a sub-$1,000 limit is operationally impractical for how I actually use credit.

I’ve been waiting since November 3, 2025 for a card to arrive. It has been 13 days since it was sent out a second time and still no card as of November 29th. Trying to get a hold of a representative is frustrating and difficult. You shouldn’t have to go through so many prompts. I was really looking forward to this card because it had potential and the rewards.

Brightway Credit Card is a FRAUD!! How is it that I have a credit card limit of $500 but the card DECLINES? Your customer service reps are uneducated and ignorant! Please note that this will be reported to the Better Business Bureau!!! Your supervisors are being taught to lie to the consumers!!! I would never recommend your services to anyone!!!

I have about 4 credit cards and this is the worse! Their rewards suck! I have had them for a year now and the first 6 months they gave me a $50 increase. The lowest increase I have ever seen. The next 6 months I got a .5% APR decrease! There is no incentive to have this card.

By far the worst credit card I ever had. I notified them about my travels. When I finally got to the place they flagged my transaction and said it was irreversible. My kids and I had to sleep in the car because I was counting on this card. Please do yourself a favor and do not get this card. Good thing I had money for gas because I couldn't even use it for gas. This card is useless. The customer service one of the worst I ever seen.

Zero. This is a fraudulent credit card company. They took my annual fee and the card never worked. I canceled the card. They falsely promised to refund my fee and no refund ever materialized. Avoid this company at all costs, they are crooks.