Credit Card

Introducing the OneMain Financial BrightWay® credit card

Turn your payments into progress.

We’re offering access to a limited number of cards right now, but will be expanding soon.

Receive an offer code?

Enter or look up your offer code
and we'll take you right to your BrightWay card application.

Have the card?

Download the BrightWay App
It's the easiest way to activate your card, track spending, monitor payment progress and view rewards.

Already a OneMain customer?

Sign in to your BrightWay account
using your existing OneMain username and password to manage your card.

A rewarding milestone could be six on-time payments away1

Unlock rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months.

A credit card that grows with you

Others only look at your history. We also focus on your future. That’s why we’re happy to introduce a card that grows alongside you. Pay on time and unlock rewards that celebrate your progress.

Track your progress in the BrightWay app

Easily track your spending, payment progress and milestones in the BrightWay app.

We’ll meet you where you are

For more than 100 years, OneMain Financial has helped people get the money they need. That commitment continues with the new BrightWay credit card.2

Still building credit?

brightway card regular

More established credit?

brightway card plus
Credit limitUp to $20003Up to $20003
Annual feeYes4No4
Unlimited cash back1% on purchases51% on purchases5
MilestonesQualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months. 1Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months. 1

Frequently asked questions

We’re offering access to a limited number of cards right now, but will be expanding soon.

Absolutely! Simply answer a few questions to look up your BrightWay offer code and we’ll take you right to the application.

It can take 5-7 business days for a card to arrive in the mail. If it’s been more than a week, please call us at 866-207-9130 between 8 a.m. – 11 p.m. ET any day of the week and we’ll help track it down.

Please give us a call at 866-207-9130 between 8 a.m. – 11 p.m. ET any day of the week and we’ll be happy to help.

A Milestone Event occurs when you make six Consecutive Qualifying Payments during Qualifying Cycles.1 Please use the BrightWay app to check for available rewards.

The BrightWay card offers 1% cash back5 on all eligible purchases, minus returns or credits. It’s applied directly to your card balance each month.

Unfortunately, you may not pay your loan with your BrightWay or BrightWay+ card.

Because we service OneMain loans and the BrightWay card separately, we can’t combine payments. Please register or log in to your account if you need to make a payment on your loan or your credit card.

You can use the BrightWay app or your online account to check your balance, view past purchases, track rewarding milestones and make payments. If you have any questions, reach out at 866-207-9130 between 8 a.m. – 11 p.m. ET any day of the week and we’ll be happy to help.