![]() MasterCard (7) Opens MasterCard page in the same window.Visa (32) Opens Visa page in the same window.0% Intro APR (5) Opens 0% Intro APR page in the same window.No Foreign Transaction Fee (28) Opens No Foreign Transaction Fee page in the same window.No Annual Fee (14) Opens No Annual Fee page in the same window.Dining (12) Opens Dining page in the same window.Hotel (10) Opens Hotel page in the same window.Airline (15) Opens Airline page in the same window.Rewards (38) Opens Rewards page in the same window.Business (10) Opens Business page in the same window.Travel (28) Opens Travel page in the same window.Balance Transfer (3) Opens Balance Transfer page in the same window.Cash Back (10) Opens Cash Back page in the same window.Newest Offers (16) Opens Newest Offers page in the same window.All Cards (39) Opens All Cards page in the same window.Featured Cards (9) Opens Featured Cards page in the same window.Credit Cards Home Opens Chase Credit Cards page in the same window.The product images shown are for illustration purposes only. * Based on Apple Appstore and Google Play store ratings as on May 2023. ![]() Applicable when a user chooses annual or semi-annual plans. ![]() Evaluation and credit limit increases are not guaranteed. Users who make on time payments and are in good standing may be evaluated for credit limit increases (limit changes are subject to credit underwriting and approval). As of November 2021, Bright's score of 93 out of 100 represents ratings provided by over 5,000 Bright users. Businesses calculate their score by taking the number of satisfied customers (those who rated them 5 or higher) and dividing it by the total number of responses. It's a metric used in all kinds of businesses to measure customer service and product quality. Bright uses standard industry practices to determine our customer satisfaction score. Bright reports payment history to 2 major credit bureaus, Equifax and TransUnion. Bright Builder is currently not available in all states. Products and services subject to state residency and regulatory requirements. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score. Bright Builder helps you build payment history that may positively improve your credit score. ![]() Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion ( ). Actual pay off rates may defer based on individuals. These customers included all users using Bright before Feb 2023, having a minimum of $500 credit card debt and having used Bright services for 1 year. Bright customers paid off their credit card debt 4x faster using Bright membership than they would by only paying their minimum dues. Bright Credit is currently not available in all states. Credit line originated by Bright or CBW Bank, Member FDIC. Also, you can choose to pay more than the minimum due if you want to pay down the loan faster. Monthly Minimum Payments are as low as 3% of the outstanding principle balance plus the accrued interest. Final terms may vary depending on credit review. Variable APR range from 9% –24.99%, Credit Limit ranges from $500 - $8,000. Bright Credit is a line of credit that can be used to pay off your credit cards. If you’re approved and activate Bright Credit we may do a hard inquiry which may affect you credit score. When you check your rates for Bright Credit we initiate a “soft pull” of your credit.
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