OneMain Financial Brightway Credit Card
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| 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.
- 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.
| The Good | The Bad |
|---|---|
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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.
| 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:
| 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.
Contact
- Headquarters
-
601 NW 2nd Street, Ste 300
Evansville, IN 47708 - (800) 742-5465
- Visit Site
- Email Support
Other Services by OneMain Financial
Availability
- 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 |
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