Tame your credit card

Pay your credit cards in one place, save $1,000 on fees and pay down your debt faster.

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Find out how we calculate savings.

Control your money like never before

Money made easy

All the hard decisions simplified to a single swipe

Build your future

More money with each payment

Safe and secure

You control money with no hidden fees

No more bank fees

Credit cards are great, but managing them can be difficult.
We make it easy to control your credit debt and to pay it off more quickly.

Technology on your side

Bright harnesses the power of artificial intelligence to watch your back.

Reduce your interest cost, no more late fees and better control of your money.

The CFO in your Pocket

Put your credit cards in one place, get the important information and make better decisions, all in one app.

Manage all of your credit cards in seconds without the hassle or worry and save each time you pay.

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Get early access to Bright

You’re already one step closer to financial freedom

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Banking services provided by
Evolve Bank & Trust; Member FDIC.
2020 Bright Capital Inc

Crush your debt - using the Bright Money ScienceTM

Get the power of Bright Money ScienceTM to reduce credit card, student, & car debt.No more debt worries. Big savings. Bright future.

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Please enter a valid email.
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Get started in 1 step

Connect your cards to the Bright ScienceTM. Let it work for you.
Benefits

Save $1,000s in interest and fees - all automatic

Kill Card balances

The fastest programme to wipe your credit card debt.

No late fees. Ever

Bright means no more late fees. You will never have to think about late fees.

Best payment experience

All cards in one place.
The ONE way to manage all accounts.

How it works

Your money works for you with the Bright Money ScienceTM

The best payment experience

See all your credit cards and banks in one place.

Saving goals

Set the Goal. Let the Bright system tailor to you.

Upcoming payments plan

See your personal plan and what is upcoming.

Get notifications on card payments

Timely updates on every day progress and savings.

Your privacy matters

All data is secured with the same 256-bit encryption like all major banks.

Your privacy matters

All data is secured with the same 256-bit encryption like all major banks.

Testimonials

This is what early users are saying

I highly recommend Bright to anyone who is struggling with their finances. This app can put more money back in your pockets than you can do on your own!

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

I like that I get to see all my financial information in one place. I highly recommend Bright to anyone who wants to take more control of their money.

Esther, Utah

I highly recommend Bright to anyone who is struggling with their finances. This app can put more money back in your pockets than you can do on your own!

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

I like that I get to see all my financial information in one place. I highly recommend Bright to anyone who wants to take more control of their money.

Esther, Utah

“Love the app so far, love the growth in seeing, love it’s huge potential moving forward”

Jessica, Wisconsin

“I’m really happy with how bright is currently managing my cards.I’m sure I’ll be sticking with bright for long time.”

Jamie, Georgia

"I love how simple Bright is to use, and how prompt the support team is. Overall, this is definitely a service that I would pay for and would encourage others to utilize as well.”

Esther, Utah

“Love the app so far, love the growth in seeing, love it’s huge potential moving forward”

Jessica, Wisconsin

“I’m really happy with how bright is currently managing my cards.I’m sure I’ll be sticking with bright for long time.”

Jamie, Georgia

“BrightMoney is an incredible platform. I love the new BrightMoney iPhone App; something I had wanted for quite some time."

Esther, Utah

“I'd love to see more expanding into other bank cards. To note; I've also spoken with a bright money founder previously!”

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

"I love how simple Bright is to use, and how prompt the support team is. Overall, this is definitely a service that I would pay for and would encourage others to utilize as well.”

Esther, Utah

“Love the app so far, love the growth in seeing, love it’s huge potential moving forward”

Jessica, Wisconsin

“I’m really happy with how bright is currently managing my cards.I’m sure I’ll be sticking with bright for long time.”

Jamie, Georgia

"I love how simple Bright is to use, and how prompt the support team is. Overall, this is definitely a service that I would pay for and would encourage others to utilize as well.”

Esther, Utah

“Love the app so far, love the growth in seeing, love it’s huge potential moving forward”

Jessica, Wisconsin

“I’m really happy with how bright is currently managing my cards.I’m sure I’ll be sticking with bright for long time.”

Jamie, Georgia

“BrightMoney is an incredible platform. I love the new BrightMoney iPhone App; something I had wanted for quite some time."

Esther, Utah

“I'd love to see more expanding into other bank cards. To note; I've also spoken with a bright money founder previously!”

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

"I love how simple Bright is to use, and how prompt the support team is. Overall, this is definitely a service that I would pay for and would encourage others to utilize as well.”

Esther, Utah

“Love what you're trying to do and excited to be a part of your learning process.”

Jessica, Wisconsin

“I’m really happy with how bright is currently managing my cards.I’m sure I’ll be sticking with bright for long time.”

Jamie, Georgia

"I love how simple Bright is to use, and how prompt the support team is. Overall, this is definitely a service that I would pay for and would encourage others to utilize as well.”

Esther, Utah

“Love the app so far, love the growth in seeing, love it’s huge potential moving forward”

Jessica, Wisconsin

“I'd love to see more expanding into other bank cards. To note; I've also spoken with a bright money founder previously!”

Jamie, Georgia

“BrightMoney is an incredible platform. I love the new BrightMoney iPhone App; something I had wanted for quite some time."

Esther, Utah

“I'd love to see more expanding into other bank cards. To note; I've also spoken with a bright money founder previously!”

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

“Just the simplicity and ease of use is appealing. I feel good about how Bright is managing my cards and it has definitely made some extra payments.

Esther, Utah

“BrightMoney is an incredible platform. I love the new BrightMoney iPhone App; something I had wanted for quite some time."

Jessica, Wisconsin

“I’m really happy with how bright is currently managing my cards.I’m sure I’ll be sticking with bright for long time.”

Jamie, Georgia

"I love how simple Bright is to use, and how prompt the support team is. Overall, this is definitely a service that I would pay for and would encourage others to utilize as well.”

Esther, Utah

“Love the app so far, love the growth in seeing, love it’s huge potential moving forward”

Jessica, Wisconsin

“I’m really happy with how bright is currently managing my cards.I’m sure I’ll be sticking with bright for long time.”

Jamie, Georgia

“BrightMoney is an incredible platform. I love the new BrightMoney iPhone App; something I had wanted for quite some time."

Esther, Utah

“I'd love to see more expanding into other bank cards. To note; I've also spoken with a bright money founder previously!”

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

"I love how simple Bright is to use, and how prompt the support team is. Overall, this is definitely a service that I would pay for and would encourage others to utilize as well.”

Esther, Utah

Bright users reduce debt by $700 within 5 months, without thinking.

Customer service

Always-ON customer service

We are the most available customer service for any app

24×7 chat support - instant help from human beings

Reach us via email - same day response

Get support via phone call - we are always reachable

Impact cases

See how Bright makes the difference

Bright has only been available in 2020, and tens of thousands of Americans use this and see the difference.

82%

of users have full trust using Bright after just 1 month.

Read the study

74%

of users see a big reduction in credit card balances, within 3 months of Bright.

Read the study

I highly recommend Bright to anyone who is struggling with their finances. This app can put more money back in your pockets than you can do on your own!

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

I like that I get to see all my financial information in one place. I highly recommend Bright to anyone who wants to take more control of their money.

Esther, Utah

The team

The Bright ScienceTM

Bright brings the power of world-class Data science and A.I. to US consumers.

Petko Plachkov

Chief Executive Officer

Petko is a finance professional from McKinsey who has built financial technology for 11 years.

Avi Patchava

Chief Operating Office & Data Scientist

Avi is a professional Data Scientist who has built Data Science technology in 12 different companies.

Alex Seyfert

Chief Product Officer

Alex is a former Product Leader of Amazon and Yahoo. His products have been used by millions of users.

Varun Modi

Chief Technology Officer

Varun is a leader of technology who has built technology stacks at the scale of billions of users.

Caroline Deng

Head of Credit

Caroline is a finance professional with wide experience in lending products for consumers.

Jaya Jha

Product Leader

Jaya is a former product leader from Google who specializes in technology for consumers.

I highly recommend Bright to anyone who is struggling with their finances. This app can put more money back in your pockets than you can do on your own!

Jessica, Wisconsin

Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.

Jamie, Georgia

I like that I get to see all my financial information in one place. I highly recommend Bright to anyone who wants to take more control of their money.

Esther, Utah