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.
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.
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
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
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -80, or 1.4 on a 5-point rating scale.
-80
-1000+100
No one recommends
Everyone recommends
OneMain Financial Brightway Credit Card Community Reviews
Would you recommend OneMain Financial Brightway Credit Card to your friends?
U
Anonymous
Feb 29, 2024
May or may not recommend
Worst credit card company ever they can’t speak English correctly and worst customer service they will cancel your credit card for no reason
U
Anonymous
Nov 4, 2023
May or may not recommend
This company literally marked a pymt I made as NON-SUFFICIENT funds! It had cleared my bank! Then they charged me a LATE FEE on top of that! I had to get a letter from my bank to PROVE my pymt had cleared. It was my 6th on time pymt and was suppose to get a credit increase or lower APR and i never got it!! I proved my pymt cleared ...Show More
FL
Frances L.
Oct 19, 2023
May or may not recommend
This is the worst company ever! The app is pure crap, customer service is non existent, and talking to a human is impossible. The chat function of their app always says " not available" so no one is ever available to chat. If you email them no one responds yet they send you at least 10 payment reminders more than a week before your payment due date!
Samantha S.
Oct 18, 2023
May or may not recommend
I literally just had a supervisor yelling at me on the phone Mr Jonathan ID # U74451. Its been 2 months and I havent recieved my cerdit card. They reported a late payment to the credit burrow. When I was trying to explain to him I can pay, but I would like to have access to m,y card, he simply kept overtalking me and repeating what terms and conditons are ...Show More
DH
Dana H.
Oct 1, 2023
May or may not recommend
I have seen a lot of bad reviews, but I have had no issues with this card. I have made my payments on-time for 9 months and am getting ready to receive my 3rd reward and am just 3 months away from receiving the Brightway+ card. Unless things drastically change, I would certainly recommend this card.
MC
Mary C.
Sep 27, 2023
May or may not recommend
I took the card made my payment early then began getting past due notice and took over 2 weeks and numerous phone calls to get it fixed. Now my second month and same situation. Don't do it. Totally ruin your credit score. I will take a loan and pay it off. Sick of this. Worse experience ever. And I'm 73 yrs old. Over 50 yrs using ...Show More
MA
Michael A.
Sep 2, 2023
May or may not recommend
horrible customer service. the locked my card the day of for using it for 15 dollars. Told me the sent me a code to unlock it never did. Then told me to verify 3 transactions. How when i had the card 7 hours with 1 transaction. Then they proceeded to tell me theres another transaction that made them lock that card, they withheld that charge info from me beacuse them ...Show More
TM
Tim M.
Jul 29, 2023
May or may not recommend
Rude customer service when you call the dispute center
Also it’s hard to get a customer service representative on the phone
If you do get a hold of anyone 8 out of 10 times they are either rude are put you on hold forever
You hang up call back they act like they can’t find your account when they just had it pulled up
I had some charges I tried to ...Show More
JC
John C.
Jul 3, 2023
May or may not recommend
They did not close my account after i reported it stolen. I repeatedly told them that the card was stolen, and they said ok....but yet refuse to mark it as stolen, and left my account wide "open".....and the thief just kept racking up charges. That was a whole year ago and account is still not reported stolen today. I told them that I refuse to pay for charges after it ...Show More
JV
Joseph V.
Jan 20, 2023
May or may not recommend
I paid my card off on time every month and every month they went from giving me credit in 3 to 4 business days. Now it takes 10 to 14 days to post payments for credit it's like being punished for using the card. Would not recommend this card to anyone.
Showing 10 of 10 reviews
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