OneMain Financial BrightWay+℠ Review

OneMain Financial BrightWay+℠: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.
300 - 2000 $
Credit Limit
30.49 - 35.99 %


General Info
Required documents Required documents
30.49 - 35.99 %
Credit Limit Credit Limit
300 - 2000 $
Interest rates
Shopping Shopping
30.49 - 35.99 %
APR for Cash Advances APR for Cash Advances
30.49 - 35.99 %
APR for Balance Transfers APR for Balance Transfers
30.49 - 35.99 %
Do I fit in?
Credit Score Credit Score
Age Age
18 Years
Balance Transfers Balance Transfers
3 %
Cash Advances Cash Advances
3 %
Annual Fee Annual Fee
0 $
Foreign Transactions Foreign Transactions
1 %
Late Payment Late Payment
up to 40 $
Cash back
Purchases Purchases
1 %

The OneMain Financial BrightWay+ credit card offers a unique and rewarding experience for its users, particularly those looking to build or improve their credit. The card is designed to help cardholders make the most of their financial journey by providing an opportunity to graduate to a more advanced credit card, the BrightWay+ card, upon achieving specific milestones.

Key Features

  1. Credit Limit. The card offers a credit limit of up to $2,000, providing flexibility for various spending needs.

  2. No Annual Fees. Enjoy the benefit of no annual fees, making it a cost-effective option for managing your credit.

  3. Unlimited Cash Back. Earn unlimited 1% cash back on all purchases, allowing you to make the most out of every dollar spent.

  4. Rewards and Benefits. Qualify for rewards such as a credit limit increase or an APR decrease in as little as six months, subject to credit approval. These rewards incentivize good financial habits and responsible card usage.

Pros and Cons



How to Apply for a OneMain Financial BrightWay+ Credit Card

You cannot apply for the OneMain Financial BrightWay+ credit card directly. Instead, BrightWay cardholders can graduate to the BrightWay+ card with responsible credit use. BrightWay cardholders can be upgraded to the BrightWay+ card after they’ve notched four "Milestone Events." OneMain Financial defines a Milestone Event as occurring when a cardholder has made six consecutive qualifying payments, which means making at least the minimum payment by the due date. These four milestones do not have to be earned consecutively to count toward an upgrade. Given these parameters, a BrightWay cardholder could qualify for an upgrade in two years after opening an account.

To get the BrightWay+ card, you need to apply for the BrightWay card first. Here is how you can do it:


Branch Application


OneMain Financial BrightWay+℠ Review

Eligibility Requirements

Reasons You May Be Denied a Credit Card

How to Pay Off Credit Card Debt

Editorial Opinion

The OneMain Financial BrightWay+ credit card presents a mixed bag for consumers looking to build or improve their credit. On the positive side, the card's lack of annual fees and security deposit requirements, coupled with the potential for rewards like credit limit increases and APR reductions, make it an accessible and incentivizing option for responsible users. However, its high APR and relatively low credit limit and cash back rates might deter those seeking more robust financial benefits. Overall, the BrightWay+ card serves as a practical stepping stone for credit improvement, though it may not offer the most competitive terms in the market.


What is the OneMain Financial BrightWay+ credit card designed for?

How does the BrightWay+ card help improve my credit score?

What are Milestone Events, and how do they affect my BrightWay+ card?

Update 15.07.2024
Other Credit Card of OneMain Financial