CardCompareHub

OneMain BrightWay® Card

Mastercard Cash Back Rewards

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OneMain BrightWay® Card
Apply Now On WebBank's secure website Terms apply. Approval is not guaranteed.

Annual Fee

$0 - $89*

Rewards Rate

See website for Details*

Foreign Fee

1% of transaction value*

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

35.99%*

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by WebBank.

OneMain BrightWay is a credit-builder card with a variable annual fee depending on the applicant, a high APR, a modest flat cash-back rate, reports to all major bureaus, soft-pull pre-qualification with no credit-score impact, a small foreign transaction fee.

The variable annual fee structure depends on what OneMain offers you at approval — review the offered terms carefully before accepting. At the no-fee end, this is a reasonable credit-builder with rewards. At the higher fee tier, the math gets harder: you'd need substantial annual spend to break even, which is unlikely on a card targeted at credit-builders. OneMain's underwriting can approve borrowers other issuers reject, which has real value; just make sure the offered terms clear competing alternatives like Mission Lane or Capital One QuicksilverOne before saying yes.

Card Details

  • 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 BrightWay® Card rates and fees.*
Also in: Top Credit Cards 2026 Cash Back Rewards

OneMain BrightWay® Card

Ready to apply? Visit the issuer's secure site.

Apply Now On WebBank's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.