Bright Builder card is a secured card that can help consumers build credit. Bright Builder can help build credit by reporting additional on-time payment history to your credit report. Bright Builder card has a 0% interest rate and there is no credit check to apply. Bright has partnered with Evolve Bank & Trust and Visa to provide your Secured Credit Card.

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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 Bright Builder Card work?

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

You get a secured credit card
To use the card, you have to deposit at least $30
This becomes your credit limit
Use your card anywhere VISA cards are accepted
Pay back the minimum due every month
This monthly repayment builds your payment history
We report your payment history to the credit bureaus
Your credit score can increase*
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.

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How does Bright Builder Card differ from other Credit Building products in the market?

Here’s what makes the Bright Builder different from other credit-building products:

0% APR. No interest fees: Unlike other credit building products, Bright Builder Card has 0% APR. You can build credit with a Bright Builder Card with no interest fees at all!

Reports to major bureaus: Bright Builder reports your payment history to major bureaus like Equifax and Transunion. Most lenders use credit information from these two bureaus to give out loans and mortgages.

No Credit Check to apply: At Bright, we believe everyone deserves better financial outcomes. Everyone can apply for the Bright Builder Card without any credit check.

Starting deposit as small as $30: With the Bright Builder card you can start building credit with a secured deposit as small as $30. This makes it easy for you to pay back the dues without straining your budget!

24x7 Real Customer Support: At Bright, we pride ourselves on providing excellent customer service. Our team is always available to answer your questions, provide support, and help you navigate the refinancing process via chat, email, or on-call.

Eligibility, application, and fees

What are the eligibility requirements for the Bright Builder card?

Being a U.S. citizen or a permanent resident
Being at least 18 years old
Passing KYC verification

*Meeting these requirements does not necessarily guarantee approval for the Bright Builder card, but it does make you eligible to apply.

Is the Bright Builder card available in my state or region?

Bright Builder card is available in all states of the United States of America.

Will applying for the Bright Builder card affect my credit score?

No, applying for the Bright Builder card does NOT impact your credit score. There is no credit check to apply.

Does Bright Builder card require a hard credit check?

No, there is no hard credit check for applying for Bright Builder Card.

Can I apply for Bright Builder if I have bad credit or a low credit score?

Yes, At Bright we believe in better financial outcomes for everyone. You can apply for the Bright Builder card irrespective of your current credit score.

What is the minimum and maximum credit score required to apply for the Bright Builder card?

There is no minimum or maximum credit score required to apply for the Bright Builder card. However, the Bright Builder card is most effective for users with low scores.

How do I apply for the Bright Builder card?

You can apply for the Bright Builder card on Bright’s app or website.

To download the app, use this link -

Google Play Store
Apple App Store

Or you can also apply on Bright’s website, using this link - https://app.brightmoney.co/

How long does it take to get my Bright Builder card application reviewed?

We do a real-time review for most applications. In some cases, we might reach out to you to verify your identity or if we need any additional information.

Are there any fees associated with Bright Builder, such as application fees, origination fees, annual fees, or late fees?

Application fees: There are NO fees required to apply for the Bright Builder card.
Origination fees: No, we do not charge any origination fees for the Bright Builder card.
Monthly fees: Bright Builder card carries a monthly fee of $2.
Interest fees: Bright Builder card has 0% APR. We do not charge any interest fees.
Late fees: Bright Builder card carries a late fee of $15 if you are late on your minimum dues.
Foreign transaction fees: Bright Builder card has a 0% charge on foreign transactions made with the card.
Lost card fees: Bright Builder DOES NOT charge a fee for replacement if you lose your card
Balance transfer fee: Bright Builder card DOES NOT charge a fee for balance transfers.
Membership fees: Bright does offer premium memberships, but membership is NOT compulsory to use the Bright Builder card.‍
Closure fees: We don’t charge any fees if you decide to close your Bright Builder card.

Security Deposit and Credit limit information

What is a secured credit card?

A secured credit card and an unsecured credit card work the same, with just one difference: a secured credit card requires a security deposit upfront. This security deposit may be used as collateral in case you don’t pay at least the minimum amount due on your credit card each month (similar to a deposit for your electric bill, for example). The deposit is usually equal to the credit limit on the credit card.

When do I get access to my credit card?

You can access your credit card once you complete the security deposit of at least $30.

What can I use my Bright Builder card for?

You can use the Bright Builder card for anything you want to spend! You can use it anywhere VISA cards are accepted.

What would be my interest rate with Bright Builder card? / Does Bright Builder card charge any interest?

There is 0% APR with the Bright Builder card. Bright Builder card does not charge you any interest fees.

What is the maximum amount I can use with my 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 see my Bright Builder card details?

You can log in to the Bright app and see your Bright Builder card details. This includes your card number, name on the card, and your security code.

How can I activate my Bright Builder card?

Your Bright Builder card is activated immediately once you set up your security deposit of at least $30.

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.

Can I sign up for Auto-Pay to pay my Minimum Due each month?

Yes, during onboarding you can choose to set up Auto Pay for your Minimum Dues if you choose to. Auto-Pay is not required for credit card approval.

Is it necessary to pay my monthly minimum due via Auto-Pay?

No. You can choose to pay your monthly minimum due by setting up Auto-Pay, manually through the app or through customer support.

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co‍
Phone: Call us at +1 (877) 274-6494

Can I manually pay my minimum due?

Yes, you can manually pay your minimum due through the app.

How much credit do I get through the Bright Builder card?

With the Bright Builder card, you get a secured credit starting at $30 once you complete the security deposit. You can have a maximum credit limit of $1000 with the Bright Builder card.

How can I manually pay my Minimum due?

You can log in to the Bright app and manually pay your Minimum due from the checking account of your choice. Alternatively, you can also contact Bright’s customer support to pay your minimum due

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co
Phone: Call us at +1 (877) 274-6494

Can I make an early payment on the Bright Builder Card or pay for next month in advance?

You can make payments on your Bright Builder account for the current month and next month in advance, should you wish to, totaling your outstanding balance.

Can I pay off my Bright Builder Card early?

Absolutely! You have the flexibility to pay off your Bright Builder Card balance early. However, it's important to note that the Bright Builder Card is designed with a focus on helping you build your credit history. Consistent, monthly payments are a key part of this process. By making regular payments over time, you demonstrate responsible credit management, which can positively impact your credit score. While paying off early is an option, maintaining a pattern of regular payments can be more beneficial for your credit-building journey.

What is the security deposit for the Bright Builder card?

Bright Builder offers a secured line of credit starting at $30. To access the credit, you have to deposit a fully refundable security amount of at least $30.

Can I pay my security deposit over time?

Yes. You can make partial payments through Round-Ups or weekly payments for up to 180 days after being approved for the card. Once we've received your required deposit, your card will be on its way.

How do I complete my security deposit?

You can complete your security deposit by manually depositing the funds through the Bright app.

I want to manually complete my security deposit. How do I do this?

You can log in to the Bright app and manually complete your security deposit from the checking account of your choice.

Can I withdraw money from my Bright Builder card while building the deposit?

Yes, you can withdraw your deposit while building towards it anytime.

However, we recommend not withdrawing from your Bright Builder card deposit before completion. This ensures you get access to the credit quicker, enabling you to build additional payment history faster.

Will withdrawing my money from the Bright Builder card while building a deposit affect my credit score?

No, withdrawing money from the Bright Builder card while building a deposit won’t affect your credit score at all. However, we recommend you do not withdraw your Bright Builder card deposit. This ensures you get access to the credit quicker, enabling you to build additional payment history faster.

How do I know if my security deposit is completed?

You can view the progress of your security deposit anytime in the Bright App. We will also send you an email informing you of the same.

Communications, Reporting, and Impact

What communications can I expect from Bright?

We send you communications on the following events:

Activation of your card
Monthly bill statements
Monthly Bill payment reminder
Late payment reminders
When reporting to credit bureaus
Closure of your card

What if I can’t pay back my Bright Builder card?

You always have the option to close your account by using your deposit to clear any outstanding balance you might have and get the remaining amount back to your checking account.

Will the Bright Builder card affect my score negatively?

Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder card helps you build payment history that may positively improve your credit score.

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.

When will the Bright Builder card appear on the Credit Report?

Bright Builder card reports to the major credit bureaus 30 days after your statement due date.

How will my Bright Builder card reflect on my credit report

Your Bright Builder card will reflect as Bright Capital Inc or Bright/CBW on your credit report.

Do you send minimum payment/bill reminders?

Yes, Bright sends you bill/minimum payment reminders via email every month.

Do you send late payment reminders?

Yes, Bright sends you a late payment email every month.

Do I get notified when my payments are reported to the credit bureaus?

Yes, Bright sends you an email when we report your payments to the credit bureaus.

Do I get notified when my credit payment has failed?

Yes, Bright sends you an email when your payment fails. This is applicable for Minimum payments

Which bureaus does Bright report to?

We report to the major credit bureaus - Equifax and Transunion.

When does the Bright Builder card report my payment history?

Bright Builder card reports to the major credit bureaus 30 days after your statement due date.

How much of a boost will I get from Bright Builder?

Payment history has the biggest impact on credit score accounting for 40% of how the score is calculated as per TransUnion (https://www.transunion.com/credit-score). Bright Builder card helps you build payment history that may positively improve your credit score.

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

Will Bright Builder card report missed payments?

If your balance due isn’t paid in full after 30 days from the due date, we reserve the right to report information about your account to the major credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

Features, Closure and Cancellation

How do I freeze my Bright Builder card?

You can log in to the Bright app and freeze your card anytime. Alternatively, you can also contact Bright’s customer support to freeze your card.

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co‍
Phone: Call us at +1 (877) 274-6494

How do I Unfreeze my Bright Builder card?

You can log in to the Bright app and unfreeze your card anytime. Alternatively, you can also contact Bright’s customer support to unfreeze your card.

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co
Phone: Call us at +1 (877) 274-6494

What happens if my credit card info gets stolen?

It is important to report to Bright immediately if your credit card info gets stolen. This is important to make sure no one misuses your credit card.

You can log in to the Bright app and report your card as stolen. Alternatively, you can also contact Bright’s customer support to report your card as stolen.

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co
Phone: Call us at +1 (877) 274-6494

Will I get a new card if my previous card info was compromised?

Yes, Bright believes in the utmost security and satisfaction of our customers. Bright will issue you a new card if your previous card was stolen or compromised.

You can also contact Bright’s customer support to get the latest status of your new card.

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co
Phone: Call us at +1 (877) 274-6494

How do I close my Bright Builder card?

You can close your Bright Builder card from the Bright app or via Bright’s Customer Support. Bright will use your security deposit to clear any outstanding balance and then return the remaining amount to your linked checking account.

What happens when the Bright Builder card closes?

Bright will use your security deposit to clear any outstanding balance and then return the remaining amount to your linked checking account. Bright will no longer report for you to the credit bureaus.

Does closing the Bright Builder card affect your score?

If you close your Bright Builder Account in good standing, then we will no longer report payment history to the credit bureaus. While we can't speculate on the exact impact of closing a Bright Builder card on your credit score, payment history is regarded as the most important factor in determining your credit score.

Is there a fee involved in closing my Bright Builder card?

No, there is no fee involved in closing your Bright Builder card.

Will canceling my membership affect the Bright Builder card?

No. Bright Builder card is unrelated to the Bright Membership. However, to see the best results, we strongly recommend that you keep an active Membership with Bright. The Bright Membership gives you many benefits such as the Card Manager, Debt paydown plan, Credit Monitoring, and 24*7 Support.

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Bright Money provides tools for tackling debt.