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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.


  • 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.

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.

BrightWay Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Jan. 11, 2023

It takes a lot for me to write a review, in fact this is the first review I have been able to bring myself to write. Based on my experience, as a responsible, hard working father of two beautiful children and 0 late payments/accounts....until now, I would never ever let anyone in my life sign a contract with Brightway/OneMain. Life is not easy, we all know that. Most of us work very hard to do the best and be the best we can be, every day. Brightway/OneMain is not about their customers, they do not care about you.

I have 1 late payment that was quickly paid and it was solely due to a move and account change, which was immediately paid back (within 30 days, and no late notification). I have been a customer at one main for 2 years with 0 late payments. There is no grace period, regardless of what they tell you, and no matter what happens in life, they will report you and kill your credit with no option or even a thought of removing a 1 TIME LATE payment report to the bureaus. The representative I spoke with, Amanda, was the absolute worst. Extremely rude and the disheartening conversation that I had with her made me lose even more faith in human kind. I will never ever use this company again.

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 7, 2022

Brightway is like any other Mastercard credit cards. However, there is a negative point to it. Unlike other similar ones, they do not allow you to change the DUE DATE. I am surmising that they are buying this support from Mastercard with the least features for lower costs.

46 people found this review helpful

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