OneMain Financial BrightWay Credit Card
Written by Kenji NiwaEdited by Kenji NiwaNo Firstcard offer · free sign-up
The BrightWay card is an unsecured Mastercard from OneMain Financial, issued by WebBank. It earns 1% or 1.5% cash back, and six on-time payments in a row can earn you a higher limit or a lower APR. Right now it is open only to people with an offer code.
No Firstcard offer · free sign-up
Up to $1,500 or $3,000
Credit limit
$0 to $89
Annual fee
35.99%
APR
The details
- Annual fee
- $0 to $89
- APR
- 35.99%
- Credit limit
- Up to $1,500 or $3,000, by card version
- Security deposit
- None
- Foreign transaction fee
- 1% of each transaction
- Credit check
- Yes
- Bureaus reported
- Equifax, Experian and TransUnion (all 3)
- Rewards
- 1% or 1.5% cash back, by card version
- Issuer bank
- WebBank
Facts come from the issuer's own terms, checked October 13, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- Six on-time payments in a row can unlock a higher limit or a lower APR.
- Earn 1% or 1.5% cash back with no cap, depending on the version.
- Foreign purchases cost just 1%, lower than most cards in this group.
Cons
- The APR is 35.99%, close to the legal cap for many lenders.
- Some versions charge an annual fee of up to $89, depending on your offer.
- You need an offer code to apply right now, so many people cannot get it.
Compare OneMain Financial BrightWay Credit Card to other no-deposit cards
OneMain Financial BrightWay Credit Card
4.2- Credit limit
- Up to $1,500 or $3,000
- Yearly fee
- $0 to $89
- APR
- 35.99%
- Credit limit
- —
- Yearly fee
- $0
- APR
- 29.24% variable
- Credit limit
- $300 to $3,000
- Yearly fee
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- Credit limit
- Up to $3,000 to start
- Yearly fee
- $0 to $59
- APR
- 19.99%–33.99%
Similar cards are picked automatically: same list, ranked by Firstcard editors' rating, whether or not Firstcard has a deal with them. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- High APR. 35.99% is well above the U.S. average of 22.15% for cards that charge interest (Federal Reserve, Q2 2026). If you can't pay in full every month, a balance gets expensive fast.
U.S. average APR on accounts assessed interest: Federal Reserve G.19, Q2 2026.
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Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
