Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	35.99%WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“35.99%*”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	35.99%WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“35.99%*”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	35.99%WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“35.99%*”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025page 1 of 16

BrightWay ® Mastercard ® Credit Card Agreement

The BrightWay Mastercard ® Credit Card Agreement ('Agreement') which includes your Account Terms, shows the terms under this Agreement and important information related to consumer credit cards issued by WebBank, a Utah-chartered bank located in Salt Lake City, Utah. Please log into your online account if you would like to request a copy of this Agreement.

Account Terms

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 35.99%* APR for Cash Advances · 35.99%* APR for Balance Transfers · 35.99%* Paying Interest · Your due date is at least 25 days after the close of each Billing Cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees Annual Fee · $0-$89 annually Transaction Fees • Cash Advance • Balance Transfer · Either $ 10 or 3 %of the amount of each cash advance, whichever is greater. Once available, either $ 10 or 3 % of the amount of each transfer, whichever is greater. balance • Foreign Transaction · 1 %of each transaction in U.S. dollars. Penalty Fees • Late Payment · Up to $40 .

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).' See the 'Interest' section of this Agreement for more details.

Billing Rights Summary: Information on your right to dispute transactions and how to exercise those rights is provided in the 'Your Billing Rights' section of this Agreement.

*Periodic Rate: The APR above corresponds to a monthly Periodic Rate of 2.99917% See the 'Interest' section of this Agreement for more details.

PLEASE READ THIS ENTIRE AGREEMENT AND KEEP IT FOR YOUR RECORDS. THIS AGREEMENT CONTAINS AN

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16Pages 1 and 6 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.99%*”
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WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.99%*”
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WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.99%*”
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WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“D. Minimum Interest Charge. If there is a periodic interest charge computed in accordance with this Section 3 and it is less than $0.50 in any Billing Cycle, then we will charge a ' Minimum Interest Charge ' of $0.50 instead of interest for such Billing Cycle.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Cash advance APR, Purchase APR

Offered through: WebBank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 34404
Branches: 1 in UT
Sources: Official issuer · 1 document · 2 pages cited

Documents

OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025effective date not parsed

BrightWay® Mastercard® Credit CardWebBank · NM bank, UT · FDIC 34404

Rates and fees