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BrightWay

BrightWay Reviews

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About BrightWay

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.

Pros & Cons

Pros
  • Unlimited 1% cash back
  • Zero fraud liability
  • Rewards for on-time payments
  • App account management
Cons
  • Must receive offer to apply
  • Low credit limit

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.

BrightWayBrightWay+
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.

BrightWay Reviews

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    How do I know I can trust these reviews about Brightway?
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServicePunctuality & Speed

    Reviewed Dec. 3, 2024

    I pay my bills at the beginning of every month since I get paid first week of the month. My bill is due on the 26th, so I paid my bill on the 1st and then when I looked at my statement this morning I see they charged me a late fee for the month of Nov and now it will happen again after a phone call this morning to ask about the late charge and how that be when bill was paid on Nov 1st. Apparently they don't accept early payments. I have filed a complaint with the BBB and will be closing my account immediately after I hear back from the BBB. Stay away from this credit card company and the company ONE WAY that sponsors this card. Big ripoff company.

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    Customer ServicePrice

    Reviewed Nov. 26, 2024

    I received the card and decided to activate it for fuel emergencies on the road. I never received a pin and fuel prices in NV/CA are much lower as debit, no pin, no discount. I have called multiple times, no assist. I finally called again, after paying a fee for a card I never used AND also PAID INTEREST ON THEIR CHARGES!!!! I advise folks to run, not walk away!! I can have a pin IF I wait 7/10 days, I’m on the road, cancelled card. I will let everyone know if I ever see a refund and/or am harassed until I pay a fee AND interest without EVER using this card, AGAIN!!

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      Customer ServiceEase of Use

      Reviewed Nov. 2, 2024

      High yearly fee which wouldn't bother me if every month they wouldn't put a hold on card preventing me from using because fraud put a random hold on it. Taking 5-14 days to be able to use card again. App is easy to use but customer service is a joke, 1 hour hold time just to be told, "We couldn't get a hold of fraud team. Let me escalate your issue to higher ups. It will be 5-7 business days."

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      Customer ServicePrice

      Reviewed Oct. 28, 2024

      I thought this was a great card at first. They give you the motivation to make timely payments in order to receive rewards. The interest rate is high but one of the rewards is lowering the rate after making timely payments. Con: I paid my card off before the closing date and received a bill for 63.27. I was surprised because the card was paid off. I called customer service to try to get this reversed and the CSR said it had to be paid before the closing date. He looked at the account and said you paid it off on the 17th and the closing date was the 18th. That just confirms what I am saying. He goes on to add if I don’t want another charge to pay it now or before the 18th of next month.

      If I did that this month, this means you are going to do it to me again next month anyway. How is it 63 dollars in Interest on zero balance? I spoke to a supervisor and got nowhere with him. He insisted there was nothing they could do even for a customer who had never been late or missed a payment. So much for customer appreciation. I am going to cancel this card before they charge me again! If you are desperate then this is the card for you, but you will never stop paying!

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      Staff

      Reviewed Oct. 16, 2024

      Please do not get this card, these people are a fraud, this gotta be a personal own business with a bunch of foreigners ripping off Americans and they laughing about it, surely there's something that can be done to shut these people down. I'm surely gonna find out what can be done,. If anyone reading this please do not get this card. Please don't be hard headed, I gave them a one star rating but actually they are a zero. They are not even qualified for one star rating. Please believe me people, please do not get this card.

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      Customer Service

      Reviewed Oct. 14, 2024

      Do not get this card. Has been the worst experience I have ever had. If you want to get cheated out of your money go ahead. Customer service is bad. Lost card. Cancel it after issues. Glad to be out of this mess.

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      Customer ServiceOnline & App

      Reviewed Sept. 24, 2024

      If you update your address, they require "for your security" to EMAIL an image of the front AND back of your Driver's License, which is the opposite of secure. They may or may not tell you about this absurd requirement when you update your address over the phone (which is the only way you may do so) and the only way to find out this risk-to-your-identity style process is required, after waiting for your card for a month, is to call again. The app is not capable of doing anything, everything has to be managed by calling in, yet good luck getting ahold of anyone or receiving the correct information.

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      Customer ServiceOnline & App

      Reviewed Sept. 24, 2024

      HORRIBLE COMMUNICATION. I pay perfectly. Without notice, they turned my card off due to the need for a physical address. Never a call or notice asking me to update it. No letter, and the app is very basic with no way of updating your information. I have plenty of other cards. DON'T USE THEM!!!

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      Punctuality & Speed

      Reviewed Sept. 12, 2024

      One year I've had this card and paid every time on time. They just added the annual fee, which put me over limit, then IMMEDIATELY suspended my account and contacted Experian to say I went over the limit! Score dropped 23 points. Wow. Just wow. At least Indigo, Milestone, etc never blamed ME when THEIR yearly fees put me over the limit. Tacky, real tacky. Won't be using this card again.

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      Reviewed Aug. 1, 2024

      They speak English but don’t understand it. If you make your payment on the day it’s due or any extra payments you don’t get credit for on time payments. It’s a crappy card that lures you into thinking you can better your credit status. It’s a lie!

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      BrightWay Company Information

      Company Name:
      Brightway
      Website:
      www.onemainfinancial.com