Last Updated: 07/28/2025
OneMain Financial Brightway Credit Card
Claimed
in Credit Cards from OneMain Financial
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -80
Strongly not recommended10 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
Starting at 26.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
Starting at 26.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
Up to $65
Number of Reviews
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.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 26.99%
- A 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 up to 1% every time you make a transaction outside the U.S.
Pros & Cons of OneMain Financial Brightway Credit Card
| The Good | The Bad |
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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.
| Description |
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?
OneMain Financial Brightway Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 that ranges from 26.99% up to 28.49%.
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $65 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $65.
Does OneMain Financial Brightway Credit Card have a foreign transaction fee?
OneMain Financial Brightway Credit Card charges a foreign transaction fee of up to 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 customer service number for OneMain Financial Brightway Credit Card 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.
What is the login page for OneMain Financial Brightway Credit Card?
You can access the login page of OneMain Financial Brightway Credit Card here.
How do people rate the customer service and user experience of OneMain Financial Brightway Credit Card?
Overall, OneMain Financial Brightway Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.
Does OneMain Financial Brightway Credit Card report your account activity to credit bureaus?
Yes, OneMain Financial Brightway Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does OneMain Financial perform a hard credit pull?
Yes, OneMain Financial Brightway Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for OneMain Financial Brightway Credit Card
- Visit the website of OneMain Financial Brightway Credit Card.
- 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.
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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
Headquarters
601 NW 2nd Street, Ste 300
Evansville, IN 47708
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