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  OneMain Financial Brightway Credit Card
OneMain Financial Brightway Credit Card
in Personal Credit Cards from OneMain Financial
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OneMain Financial Brightway Credit Card

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in Personal Credit Cards from OneMain Financial
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Highlights
Purchase APR  (Variable APR) Starting at 26.99%
Balance Transfer APR  (Variable APR) Starting at 26.99%
Credit Score Range 300 - 850
Annual Fee Up to $65

OneMain Financial Brightway Credit Card Review

This is a cashback credit card issued by OneMain Financial. If you're wondering whether OneMain Financial Brightway Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 26.99%
  • 3% Balance transfer fee. OneMain Financial Brightway Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of OneMain Financial Brightway Credit Card
The Good The Bad
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • OneMain Financial Brightway Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
OneMain Financial Brightway Credit Card FAQ

Does OneMain Financial Brightway Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

OneMain Financial Brightway Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does OneMain Financial Brightway Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does OneMain Financial Brightway Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the OneMain Financial Brightway Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for OneMain Financial Brightway Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

OneMain Financial Brightway Credit Card has a variable purchase APR starting at 26.99% . The card has a variable balance transfer APR starting at 26.99% . It also has a variable cash advance APR starting at 26.99% .

Does OneMain Financial Brightway Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does OneMain Financial Brightway Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for OneMain Financial Brightway Credit Card?

The following fees apply:

OneMain Financial Brightway Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee $0
Late Payment Fee up to $40

Does OneMain Financial Brightway Credit Card have a foreign transaction fee?

OneMain Financial Brightway Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for OneMain Financial Brightway Credit Card?

The OneMain Financial Brightway Credit Card customer service number is (800) 742-5465.

What is the support contact email for OneMain Financial Brightway Credit Card?

The support contact email for OneMain Financial Brightway Credit Card is customerservice@omf.com.

How do people rate the customer service and user experience of OneMain Financial Brightway Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does OneMain Financial Brightway Credit Card report your account activity to credit bureaus?

Yes, OneMain Financial Brightway Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for OneMain Financial Brightway Credit Card

  • Visit the OneMain Financial Brightway Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 5:00am - 5:00pm
  • Tuesday 5:00am - 5:00pm
  • Wednesday 5:00am - 5:00pm
  • Thursday 5:00am - 5:00pm
  • Friday 5:00am - 5:00pm
  • Saturday Closed

Other Services by OneMain Financial

Availability

  Available in 21 states
  • California
  • Connecticut
  • Delaware
  • Iowa
  • Massachusetts
  • Michigan
  • Missouri
  • Montana
  • Nebraska
  • New Jersey
  • New Mexico
  • New York
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Texas
  • Virginia
  • Vermont
  • Washington
  • West Virginia

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Annual Fee Up to $65
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Starting at 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) Starting at 26.99%
Credit Limit Up to $500
Purchase APR (Variable APR) Starting at 26.99%
Balance Transfer APR (Variable APR) Starting at 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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