OneMain Financial BrightWay® Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The OneMain Financial BrightWay® Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubQualify with bad creditDoes not require security depositMembership feesHigh regular APRForeign fee
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.
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.
WalletHub Rating Breakdown
User Reviews
3.0/5
119 reviewsRead and write reviews
Editor’s Review
3.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
2.8
Rewards
5.0
Cost
3.1
Other Features
4.5
3.4/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Fair Credit, Bad Credit
Fees
One-Time Fees→$0
Annual Fee→$0 - $89
Monthly Fee→$0
APR on Purchases
35.99%
Rewards
Earn unlimited 1% cash back on purchases.
OneMain Financial BrightWay® Card's 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.
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.
What I Like About the OneMain Financial BrightWay® Card
1% cash back
Saving 1% on every purchase you make can add up to a lot, but it’s also nothing special. In fact, 1% back is about average for a credit card, and you don’t need great credit to get above-average rewards. For example, some secured credit cards have higher reward rates – at least in specific spending categories.
Available to people with bad credit or better
Most credit cards with rewards won’t accept people with “bad” credit scores of 300-639. The OneMain Financial BrightWay® Card, to its credit, will give some people with damaged credit a second chance. There’s no official minimum credit score, but it’s also important to remember that approval is far from guaranteed. The better your credit is and the more income you have, the higher your chances of approval will be.
No security deposit needed
The OneMain Financial BrightWay® Card is an unsecured credit card for people with bad to fair credit. Unsecured means you don’t have to put any money down. This is in contrast to secured credit cards, which require a deposit, the amount of which becomes your credit limit.
Can help you build credit
The OneMain Financial BrightWay® Card reports to the three major credit bureaus on a monthly basis, so paying the bill on time every month should gradually lead to credit score improvement. Try to only spend a portion of your credit limit, too.
Perks for paying on time
In addition to helping your credit score, consistently paying your bill on time can unlock some extra benefits with the OneMain Financial BrightWay® Card. You could get a higher spending limit, for example, or earn an interest-rate reduction. To qualify, you need to pay on time for six straight months.
What I Don’t Like About the OneMain Financial BrightWay® Card
$0 - $89 annual fee
The OneMain Financial BrightWay® Card can be expensive to own. For comparison, the average annual fee among the more than 1,500 credit card offers that we track is just $25.22. This card can still save you money, though.
The OneMain Financial BrightWay® Card’s annual fee is worth paying if you charge at least $7,500 in purchases to the card in a year and you pay the bill in full every month. This allows your savings from cash back rewards to exceed the cost of the fee and prevents interest charges from getting in the way.
High APR
If you don’t pay your full statement balance each billing period, the unpaid balance and any new purchases that you make will accrue interest at an annual percentage rate of 35.99%. That is significantly higher than the average APR among credit card offers available right now, and even the average rate is very high.
To avoid interest charges with this card, you will have to pay the bill in full every month. If you carry a balance from month to month, you’ll need to pay in full for a couple of months in a row to stop the interest charges.
Undisclosed credit limit
The OneMain Financial BrightWay® Card hasn’t disclosed a specific minimum credit limit. You’ll find out what your credit limit is when you’re approved for an account. You might get a sense after simply being pre-approved, too.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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
3.5WalletHub Rating
WalletHub Rating
3.5
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
4.0
User Reviews
3.6
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.5
1.8WalletHub Rating
WalletHub Rating
1.8
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 "Rebuild Damaged 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.
Can't find what you are looking for? Submit your question about OneMain Financial BrightWay® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. 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...
The OneMain Financial BrightWay® Card does not have any transfer partners, as it is one of many credit cards on the market that do not allow you to transfer rewards to other companies' loyalty programs. You can find out what the current rewards redemption options are for your OneMain Financial BrightWay® Card by logging in to your online account or by calling OneMain Financial customer service.
Yes, the OneMain Financial BrightWay® Card reports to the credit bureaus every month, typically within days after the cardholder's billing period closes. OneMain Financial reports your card's credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.
Once the OneMain Financial BrightWay® Card reports your account information to a credit bureau, it may take a few days from when the bureau receives the info before the updates appear on your credit...
There is no OneMain Financial BrightWay® Card concierge benefit. Cardholders with questions about their account can call 1 (866) 207-9130 for assistance, but the customer service representative won't be able to perform the wide range of services provided by some credit card concierges.
A concierge acts like an on-demand personal assistant for cardholders, able to help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Although OneMain Financial BrightWay® Card does not offer concierge service, plenty of other...
The best OneMain Financial BrightWay® Card benefits are zero fraud liability and a possible APR decrease in six months. These perks are certainly good to have, though it's important to note that they're also relatively common credit card benefits.
The OneMain Financial BrightWay® Card does not currently have a sign-up bonus, though it does give ongoing rewards of 1% on all purchases. The OneMain Financial BrightWay® Card offers 1% cash back on all purchases if you keep making 6 consecutive on-time payments.
If you're in the market for an initial bonus, you can compare the best credit card sign-up bonuses from other cards, picked by WalletHub's editors. But keep in mind that rewards bonuses are just one of the many things to consider when deciding which credit card you should get.
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2025 WalletHub Awards
OneMain Financial BrightWay® Card is an Editor's Pick for:
Share your insights and review for the OneMain Financial BrightWay® Card
5
24%
4
23%
3
17%
2
10%
1
27%
3.0
119 reviews
119 reviews
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n6dsss @n6dsss
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1 Star Rating
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.
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estongunderson @estongunderson
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1 Star Rating
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.
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James W @jamesw_1091
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1 Star Rating
Verified Customer
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.
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ph7600 @ph7600
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1 Star Rating
Verified Customer
I made a $100 payment to my account and they double charged me! Called them to let them know and they said they do not give refunds and that I must have double-clicked. I did not double-click! Stay away from this company! They did not credit my account.
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movement_progressive @movement_progressive
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1 Star Rating
Verified Customer
This company is almost comically terrible. It truly deserves no stars. They are incapable of answering simple questions, transferring you in circles between departments and ultimately just plain wasting your time and mismanaging your money.
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Kyu @jeang2077
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1 Star Rating
If I could give this negative stars, I would. Do not get this card, it is not worth your time, money, or energy. I was a fool for getting this card, and I closed it the next day because I could only make a few purchases before they decided to lock my card and refused to unlock it. I had to put back my groceries because the fraud department flagged the purchase as high risk. Even after confirming it was me making the purchase, I still couldn't use the card. I had to leave with no food or anything. I called them the next day, as they were closed the night we went to the store. After calling five times, I told them to cancel the card because I couldn't make any purchases. Nothing I did worked. It would just come back 'Not authorized.' I only managed to make about four purchases before it locked me out completely. Don't waste your time. Even if you do get this card and call them to unlock it, they'll tell you your account is fine but won't do anything about your credit card. Aside from 'you can go shop at another merchant,' but that won't work, so you're stuck with a worthless paperweight, if even that.
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KENNY JACKSON II @kennyjackson275_1
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5 Star Rating
Verified Customer
Great card for those who want to rebuild credit. So far so good. Started out with a $500 limit and it was increased to $1000. Can't wait to see what the next increase will be!
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Kimberly Harvey @harvey_kimberly
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1 Star Rating
This credit card company is like a bully. They will charge you an annual fee even if you do not activate the card. They will charge you an annual fee even if you decline the offer. One Main engages in predatory lending. Please avoid this card.
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Pina Crawley @pinacrawley8
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1 Star Rating
Verified Customer
I would give 0 stars if I could. It's a ridiculous card that won't let transactions be approved when you try to use it. I was told by a representative that the transaction was flagged as high risk for proprietary reasons and would not be approved. It was for my son's summer camp fees. Not worth the hassle or the negative impact on your credit. Trust me, do not bother! I activated the card today and closed it today. Utterly ridiculous!
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Rhonda Duncan @rduncan2323
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1 Star Rating
I was approved for this credit card over a month ago but never received it. When I called, I learned that my apartment number was omitted from my address. After an hour on the phone with someone who had difficulty with English, they updated my address and instructed me to send an email to request a new card. I complied, and five days later, they replied, telling me to call for the request instead. Upon calling again, I encountered a person with similar language challenges and was advised to send an email to a different address for my request. Despite not having received or activated the card, I have been charged a $65 annual fee, which they insist must be paid by the 24th to avoid affecting my credit. If the card does not arrive by the end of the month, I will report this to the Better Business Bureau. It is unfair to pay for something I have not received, and the process to obtain the card has been frustrating.
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2025 WalletHub Awards
OneMain Financial BrightWay® Card is an Editor's Pick for:
