Why Bright Builder Card?

Name: Bright Builder Card
Brand: Bright Credit - Refinance Credit Card Debt
Rating: 5 (5 reviews)

0% APR. No interest fees

Rebuild your credit without worrying about interest fees¹. Pay only the minimum amount every month. See terms and conditions.

No credit check to apply

We believe in improving credit, not bringing it down. There is no credit check to apply for Bright Builder Card.

Build credit with everyday spending^¹

Use Bright Builder card on everyday purchases like gas, groceries and Netflix. Build your credit with on-time payments¹.

Graduate to unsecured credit of up to $8k^²

With regular on-time payments on the Bright Builder card, you can apply for an unsecured line of credit of up to $8k in as few as 6 months².

How it works

Start with a refundable deposit as low as $30. Your deposit equals your credit limit.

Get your deposit back when you close your card³.

Spend on your card.

Keep your spending below 30% of your credit limit to see the best results. Spend normally, build credit simply¹.

Pay at least the minimum amount due on the card every month.

Paying back the dues builds credit history.

We report your payments to the credit bureaus.

We report to Equifax and TransUnion.

You build credit with on-time payments^¹.

On-time payments can help increase your credit score¹.

You get your security deposit back after clearing any remaining outstanding balance if you decide to close your card^³.

Rebuild credit with on-time payments^¹

Start Building Credit Today^¹!

Apply Now

Details about

Bright Builder Card

0% APR

APR (Annual Percentage Rate)

Security Deposit

Starting at $30

Credit limit

$30 - $1000

Annual fee

$24

Apply now

+See Terms & Conditions

Get the most out of your Bright Builder card

Tap to pay

Pay on the go with contactless payments.

Greater coverage

Use your Bright Builder card anywhere VISA cards are accepted.

Account protection

Freeze your card from the app with just a single tap. Un-freeze anytime.

Know more about Bright Builder Card

What are the minimum requirements to apply for Bright Credit?

To be eligible to apply for Bright Credit:
- You must be at least 18 years old
-You must have a valid Social Security Number
-You must reside in a state that we’re licensed to lend in
-We take into account a variety of credit factors but you generally need at least a fair credit rating

Meeting these requirements does not guarantee approval for our credit line.

Will checking rates affect my credit score?

No, checking your rates does NOT impact your credit score. When you apply for Bright Credit, we only initiate a “soft pull” of your credit report.

Is Bright Credit a Revolving line of credit or an Installment loan?

Bright Credit is a revolving line of credit. You can continue to use Bright Credit even if you have paid it off once before and can draw down up to the credit limit as frequently as you like.

Can I use Bright Credit to pay down credit card debts from multiple issuers?

Yes, you can use Bright Credit to pay down multiple credit cards.

Once your Bright Credit application is approved & you decide to accept the offer, to pay down your cards, you just need to select which cards and how much you want to pay down with Bright Credit and we will directly send the funds to your cards.

Can I continue to use my credit cards or does Bright Credit make me close my credit cards once they are paid off?

Yes. You are free to continue using your credit cards after you have used Bright Credit to pay them down.

How is a Bright Credit different from a debt settlement loan?

Debt settlements are typically where a law firm or other agency negotiates your debt with your creditors. This will likely result in the closing of your accounts and your creditors will highlight the debt settlement on your credit report. This could affect your ability to get future loans and may increase your rates on those loans for which you are approved.

Bright does not negotiate with your creditors and we do not require you to close your cards. You can keep using your cards even after paying them off with Bright Credit. Bright Credit is a line of credit you can use to pay off your credit cards.

Is any security deposit required to get Bright Credit?

No, Bright Credit is an unsecured line of credit that does not require any security deposit.

How can I get approved for Bright Credit?

We review many aspects of your credit history to determine if you are approved for Bright Credit. The following are some of the factors that may be considered when reviewing your application.

-FICO® score - which summarizes your credit history.
-Delinquencies - Any payments you owe and have not currently paid.
-Your debt-to-income ratio - which compares how much you owe each month to how much you earn.
-The age of credit history - this is the total length of time you've been using credit.
-Any open and satisfactory trades - these are the lines of credit which you've opened and have made payments on time.
-Your utilization - this is the ratio between your available credit and the current balances you have on your credit cards.

What can I use Bright Credit for?

You can use Bright Credit to refinance your credit card debt. If the interest rates on your credit cards are very high, you can pay them off with Bright Credit and you can save interest fees*.*Individual results may vary.

What is a secured card and how does it work?

Secured cards are a type of credit card that is backed by a cash deposit but otherwise work just like unsecured cards. The refundable deposit used to fund your Bright Builder card is equal to your spending limit. Using it for everyday purchases and making on-time monthly payments helps to grow and improve your score over time.

How does the Bright Builder Card work?

Bright Builder Card creates additional payment history for you to build credit.

1. You get a secured credit card To use the card, you have to deposit at least $30
2. This becomes your credit limit Use your card anywhere VISA cards are accepted
3. Pay back the minimum due every month
4. This monthly repayment builds your payment history
5. We report your payment history to the credit bureaus
6. Your credit score can increase*
7. You can if you want close your card and get your deposit back anytime after clearing the outstanding balance and arrears

*Credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score

What is the credit limit on the Bright Builder Card?

Your credit limit is equal to the deposit amount you have added. You can deposit a minimum of $30 and a maximum of $1000.

Where can I use my Bright Builder card?

You can use your Bright Builder card anywhere VISA cards are accepted. You can use it online or in a physical store.

Build credit at 0% APR^¹.

Why Bright Builder Card?

How it works

Start with a refundable deposit as low as $30. Your deposit equals your credit limit.

Spend on your card.

Pay at least the minimum amount due on the card every month.

We report your payments to the credit bureaus.

You build credit with on-time payments^¹.

Bright Builder Card

Get the most out of your Bright Builder card

Know more about Bright Builder Card

Still have questions about Bright Builder Card?

Build credit at 0% APR¹.

Why Bright Builder Card?

0% APR. No interest fees

No credit check to apply

Build credit with everyday spending¹

Graduate to unsecured credit of up to $8k²

How it works

Start with a refundable deposit as low as $30. Your deposit equals your credit limit.

Spend on your card.

Pay at least the minimum amount due on the card every month.

We report your payments to the credit bureaus.

You build credit with on-time payments¹.

Bright Builder Card

Get the most out of your Bright Builder card

Know more about Bright Builder Card

What is a secured card and how does it work?

How does the Bright Builder Card work?

What is the credit limit on the Bright Builder Card?

Where can I use my Bright Builder card?

Still have questions about Bright Builder Card?

Build credit at 0% APR^¹.

Build credit with everyday spending^¹

Graduate to unsecured credit of up to $8k^²

You build credit with on-time payments^¹.