The Ultimate Guide to Credit Cards
Tuesday, November 5, 2024

OneMain Financial BrightWay® Card Review

Ashley Fricker

By: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

See Full Bio »
Close

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

See Full Bio »
Close

Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

See Full Bio »
Close
OneMain Financial BrightWay® Card Review

Our Rating

3.5 /5.0 ★★★★

Are you considering the OneMain Financial BrightWay® Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 3.5 out of 5.0.

If you're looking to build your credit with responsible card use while earning some bucks, this is the perfect card for you.

Here's a rundown of the key features, rates, and terms of the OneMain Financial BrightWay® Card:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

OneMain Financial BrightWay® Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★

3.5

OVERALL RATING

3.5/5.0
  • 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.
  • Earn unlimited 1% cash back on purchases.
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
35.99%
$75
N/A

There's certainly a lot to like about the OneMain Financial BrightWay® Card. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the OneMain Financial BrightWay® Card is right for you.

Interest Rate & Annual Fee

According to the issuer, the OneMain Financial BrightWay® Card currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 35.99%

Here's the annual fee for the OneMain Financial BrightWay® Card as listed by the issuer:

  • Annual Fee: $75
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the OneMain Financial BrightWay® Card is:

  • Credit Level:

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

Keep in mind that rates and features may change, so if you like what the OneMain Financial BrightWay® Card is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the OneMain Financial BrightWay® Card, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

(Ranked #9 out of 27)
★★★★★
4.5
(Ranked #135 out of 142)
★★★★
3.5
(Ranked #47 out of 49)
★★★★
3.5
(Ranked #15 out of 16)
★★★★
4.1
(Ranked #11 out of 14)
★★★★
4.3

Bottom Line on OneMain Financial BrightWay® Card

OneMain Financial BrightWay® Card Review

All told, our team's review of the OneMain Financial BrightWay® Card resulted in a rating of 3.5 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the OneMain Financial BrightWay® Card, here is the link the issuer's official application:

About the Author

Ashley Fricker
Ashley Fricker Finance Expert

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

Share the Knowledge!

Ashley Fricker