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Written by Lorraine Roberte
Edited by Shawn Richardson

About BrightWay

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OneMain Financial, best known for its personal loans, also offers two credit cards: BrightWay and BrightWay+. These cards are currently available for select customers, but OneMain has plans to expand access soon. Cardholders get unlimited 1% cash back and can qualify for a reduced annual percentage rate or increased credit limit when they make six consecutive payments on time. The annual fee on a BrightWay card ranges from $0 to $65.


  • Unlimited 1% cash back
  • Zero fraud liability
  • Rewards for on-time payments
  • App account management


  • Must receive offer to apply
  • Low credit limit

Bottom Line

BrightWay and BrightWay+ are credit cards from OneMain Financial. Both offer unlimited cashback rewards and opportunities to lower your APR and raise your credit limit. You can track spending and milestones in the BrightWay app.

Get better rewards

Need a more rewarding credit card? Find the best card for you.

Choose My Card

What is BrightWay?

BrightWay and BrightWay+ are Mastercard credit cards offered by OneMain Financial. The BrightWay card is intended for those who are building credit. The BrightWay+ card has a higher credit limit and is for customers with more established credit.

Both cards feature 1% cashback rewards and “Milestone Benefits” — a choice between an APR reduction or a credit limit increase — when you make six consecutive on-time payments of at least the minimum due amount.

Currently, OneMain Financial only offers the cards to select customers, including certain borrowers of the company’s personal loans. OneMain plans to expand availability soon.

How does BrightWay work?

If you received an offer by mail to apply for BrightWay, you can enter the 11-character code online. If you don’t have the code, you can provide your last name, ZIP code and the last four digits of your Social Security number to look it up.

Next, you fill out your application. Once you finish the application, you’ll find out if you’re approved for a card within seconds. Depending on your credit history, income and debt, you may be eligible for the BrightWay card or the BrightWay+ card.

Purchase APR26.99%26.99%
Credit limitUp to $500Up to $3,000
Annual feeUp to $65$0
Cash back1%1%
Milestone Benefits
BrightWay26.99%Up to $500Up to $651%
BrightWay+26.99%Up to $3,000$01%

If you’re approved, your BrightWay card will arrive by mail in five to seven business days. If it doesn't arrive within a week, you should contact OneMain Financial by phone. When you receive the card, you can activate it using the BrightWay app. This app also allows you to track spending, payments and rewards.

With a BrightWay card, you're automatically enrolled in the rewards program. You get unlimited 1% cash back on qualifying purchases, which is credited to your account at the end of each billing cycle.

The BrightWay card also has a “Milestone Benefits” program. After you make six consecutive on-time payments, you achieve a “Milestone Event.” OneMain Financial then allows you to choose either an APR reduction or a credit limit increase.

If you have the BrightWay card, achieving four Milestone Events means you can graduate to a BrightWay+ card.

BrightWay rates

The BrightWay credit card has an APR of 26.99% on purchases, cash advances and balance transfers. Once you reach a Milestone Event, OneMain Financial may allow you to reduce your APR, but it won't go below 19.99%, according to the terms of the rewards program. To avoid paying interest, you need to pay your card balance in full by the due date each month.

BrightWay credit cards have an annual fee that ranges from $0 to $65. Here are other fees to be aware of:

  • Cash advance: 3% of the cash advance or $10 — whichever amount is greater
  • Balance transfer: 3% of the transfer amount or $10 — whichever is greater
  • Foreign transaction: 1% of each transaction (in U.S. dollars)
  • Late payment: Up to $40
  • Replacement card: Up to $25

BrightWay FAQ

What is the credit limit for BrightWay?
The BrightWay card has a credit limit up to $500. The BrightWay+ card has a credit limit up to $3,000. You can increase your credit limit through Milestone Benefits, but it can’t exceed $15,000.
Does BrightWay have cashback rewards?
BrightWay offers unlimited 1% cashback rewards. The rewards are automatically credited to your account at the end of a billing cycle.
What bank is associated with BrightWay?
BrightWay and BrightWay+ cards are associated with OneMain Financial. The BrightWay card is issued by WebBank.
Who can get a BrightWay credit card?
Currently, it’s only possible to get a BrightWay credit card if you receive an offer from OneMain Financial. OneMain is only offering a limited number of cards but plans to expand availability soon.

Is BrightWay worth it?

The BrightWay credit card is worth considering if you receive an offer to apply. The card has a number of perks, like unlimited 1% cash back and the opportunity to earn Milestone Benefits (lower APR or higher credit limit). If you start with the BrightWay card and make on-time payments, you eventually can upgrade to the BrightWay+ card, which has no annual fee and a higher credit limit. Compare BrightWay with offers from other card companies to choose the credit card that’s right for you.

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