BrightWay+ credit card review: A solid credit-builder card with no annual fee

A smiling man looks out the window while holding his smartphone and credit card.Image: A smiling man looks out the window while holding his smartphone and credit card.
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What you need to know about the BrightWay+ card

With no annual fee, the BrightWay+ could be a strong option for people who are building or rebuilding credit. And since it’s an unsecured credit card, you won’t have to put down a security deposit.

Only available by invite

But to get this credit card, you’ll have to be invited to apply — unless you already have the entry-level BrightWay card, in which case you might qualify for an upgrade to the BrightWay+ after six months of on-time payments.

Who the BrightWay+ card is good for

If you’re looking to build your credit with a simple cash back card, the BrightWay+ card could be a good fit — but that’s only if you’re invited to apply or if you already have the entry-level BrightWay card. If not, you’ll need to look elsewhere.


About the author: Sean McQuay is a long-time personal finance nerd. He’s passionate about budgets, credit cards, and earning useful rewards with minimal effort. He lives in the San Francisco Bay Area and is a father to three rambunctious kids. Read more.