This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.0
Market Comparison
3.4
fees: 2.8
rewards: 5.0
cost: 3.1
Other Features: 4.5
One-Time Fees→$0
Regular APR→35.99%
One-Time Fees
$0
Regular APR
35.99%
annual fee
$0 - $89
monthly fee
$0
rewards rate
1% Cash Back
minimum credit
Bad
WalletHub's Take: The OneMain Financial BrightWay® Card is a good credit card for people with bad credit (a credit score below 640) who plan to spend at least $625 per month and pay the bill in full by the due date. The card charges a $0 - $89 annual fee and rewards you with 1% cash back on all purchases.
Pros
Qualify with bad credit
Does not require security deposit
Cons
Membership fees
High regular APR
Foreign fee
Rewards Details
Earn unlimited 1% cash back on purchases.
Additional Info
See if you're pre-approved with no impact to your credit score.
Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months.
Building your credit? We report to the major credit bureaus and good payment habits can pay off.
Easily manage your account and make payments using BrightWay App.
BrightWay cards are issued by WebBank.
See the OneMain Financial BrightWay® Card rates and fees.
Pros, Cons, & Details
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I am extremely disappointed with this company's customer service.
On four separate phone calls, I politely asked to be transferred to a manager or supervisor to resolve an ongoing issue. Each time, the representative said they were transferring me — and the call was disconnected. This happened four times in a row.
I remained professional and respectful throughout every call. Despite making multiple good-faith attempts to resolve the issue directly, I was never allowed to speak with a manager. Being repeatedly hung up on during escalation attempts is not normal customer service — it feels like deliberate obstruction.
To make matters worse, fees continued to be charged to my account while the issue remained unresolved.
At this point, I have been forced to escalate the matter through formal complaints because basic customer support channels failed entirely. I would strongly caution anyone considering this company: if you run into a problem that requires escalation, be prepared for significant resistance.
FAILS TO REPORT ZERO BALANCE TO CREDIT BUREAUS!!! I've disputed it OVER a MONTH ago, and they are STILL reporting my balance as at the limit! I now disputed it for the SECOND time - the next step is calling customer service and giving them a piece of my mindl! This is NOT the card you want to REPORT your hard work!! Others are better, Capital One, Upgrade, Credit One, etc. THIS IS ACTUALLY HURTING MY CREDIT SCORE that I worked so hard to build up! DO BETTER OneMain Financial Brightway!!!! This is NOT OK!!!
I've had this card for nearly seven months. I haven't had any major issues except for the fact that if you pay early, they count it as an additional payment instead of an early payment. You have to wait until your new statement date to make an "early payment"; otherwise, it's just counted as an additional payment, and you will still owe the minimum or get penalized. They say after six consecutive payments, you get the choice of either a lower APR or a credit increase. I have made seven payments, and it says to stay tuned for your rewards at the beginning of the next statement. So, I guess you don't actually get the reward at month six but rather month seven, going on payment eight. It doesn't make sense. On top of that, it says you MAY get a reward. I didn't see the "may" until after I opened the card. So, I'm waiting for my account to process payment seven to see if they keep their word. It's a hassle because it takes a long time for payments to post. You can only pay with a bank account with a routing and account number. It takes a few days to clear, which I also don't like. I'm trying to raise my credit score, but this card has some tricky and misleading aspects, as mentioned above. I am going to pay this card off and then not use it. It scares me that if I pay too early, I will end up missing my payment. I don't think that's fair. My other credit cards do not do this; they don't penalize me if I pay early as this card does. Moreover, I feel this company won't keep its word on the reward. I did call once because I paid early, and it still said my minimum payment was due. The representative picked up quickly and explained how I had to wait until a certain date. That's how I found out my "early payment" was just an additional payment. I feel like they want to set me up to fail. When I pay all of my other bills, I can't pay this one until a specific date, so I have to mark my calendar and set a reminder so I don't forget, and that's annoying.
This is the worst credit card you could ever get. Beware, they will take advantage of you. When you make payments, you get hit with multiple late fees on the same day in the same month. I would recommend that everyone never get this credit card.
Worst experience ever, the customer service is terrible. I closed my card after less than three months. My card got declined for " at risk transactions" from everything from cat food at Walmart, the Dollar General for drinks, and at the shell gas station for gas. Customer service had a strange stance, telling me to try it somewhere else and it should work over and over. I called at least five times and got nowhere. It was not worth the fee I can tell you that. If you don't feel like getting embarrassed in line for groceries, don't buy this card.
Excellent card, I started last year with a $500.00 credit limit. One and a half years ago, now I am at a $2,200.00 credit line. They raised my limit every 6 months because I made my payments on time. I love my Brightway Card.
I changed my address to a different residence, and they canceled my card because they said I was late to submit proof of residence. I had been with this card service for about a year and a half with no late payments. Do not get this card.
Don't waste your time applying for this company's credit card; it's a joke! They continue to ask for your driver's license photo, bank statement/utility bill, and your social security number photo multiple times and never provide you with any credit card to use. It looks like they don't know what they are doing. I submitted my information once, which was a mistake.
If you made the mistake of getting this card, close the account and run. Customer service is terrible. They will not approve any purchase for more than a couple of dollars. So as an emergency card, it's useless. You will not be able to make a large purchase no matter how long you have had this card.
Not the best card! I have been offered credit limit increases as low as $50.00, which I thought was clearly a waste of time. If you are offered this card, please don't take this credit card issuer seriously. Just use the card once a month for a small charge and make the payment immediately after the statement posts. Do this until you are upgraded to the Brightway Plus Card, which will eliminate the annual fee. Otherwise, this card has no value, outside of assisting with building a positive credit history. I would have given this card 0 stars if possible.
Get answers to your questions about OneMain Financial Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
No, the OneMain Financial BrightWay® Card is not a good first-time credit card because it is only available to people with bad credit or better. People who've never owned a credit card are unlikely to get approved unless they've built bad credit through other means. There are plenty of good first-time credit cards on the market, though.
You can check your OneMain Financial BrightWay® Card application status by calling 1 (866) 207-9130. When you call, you'll need to provide the the required information so that the issuer can match you to your application. The issuer does not allow you to check your application status online
How to Check Your OneMain Financial BrightWay® Card Application Status
The OneMain Financial BrightWay® Card does not allow balance transfers. In general, balance transfers let you to shift high-interest debt from your current account to another issuer's credit card and pay off the balance, presumably at a reduced interest rate.
OneMain Financial BrightWay® Card rewards do not expire as long as your account is open and in good standing. You will forfeit any rewards you have yet to redeem if you or WebBank closes your OneMain Financial BrightWay® Card account for any reason.
Similarly, WebBank will cancel any existing rewards if you're late making the minimum payment.
The OneMain Financial BrightWay® Card minimum payment is listed on your monthly credit card statement and in your online account, and it will either be a certain percentage of the statement balance or a flat amount, depending on how high your balance is.
Key Things to Know About OneMain Financial BrightWay® Card Minimum Payments
The minimum payment will include any applicable fees, past-due amounts, and interest.
If your statement balance is low enough, the OneMain Financial BrightWay® Card minimum payment...
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