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Real results
with Bright

Simple, transparent pricing.

Basic

Bright Basic

Get Started

Card manager

Manage all your cards from Bright.

Score builder: Bill reporting

Report your cell, power, gas and water bills to build credit history.

Debt pay-off plan

Step by step plan to manage debt.

Score tracker and monitoring

Track and monitor your credit score.

AI assistant

Customized money decisions powered by AI.

24x7 chat support

Resolve any queries with the Bright support team.

paid

Bright Premium

$8.08/month

$97 billed annually

Get Started

Card manager

Manage all your cards from Bright.

Score builder: Bill reporting

Report your cell, power, gas and water bills to build credit history.^¹

Debt pay-off plan

Step by step plan to manage debt.

Score tracker and monitoring

Track and monitor your credit score.

AI assistant

Customized money decisions powered by AI.

24x7 chat support

Resolve any queries with the Bright support team.

Rent Reporting

Report your rent payments to build credit history.^¹

Get Started

MONTHLY REPORTING

$4/month

PAST REPORTING

$35/One time

Find the perfect plan for you

Pick the plan that fits your financial goals, and start your journey with Bright Money today!

Pay off debt. Build credit history¹

Build your path to manage debt

FAQs

What is Bright Membership? What are the benefits of Bright Membership?

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Bright Membership includes credit monitoring, card manager, budget planner, debt paydown plan and credit building solutions via rent and bill reporting.

How much does Bright Membership cost?

The premium tier for Bright Membership costs less than $10 a month (for the annual plan). There are different monthly plans for the premium membership.

12M Plan - $97 billed annually
6M Plan - $68 billed every 6 months
3M Plan - $39 billed every 3 months

Are there different plans for Bright Membership?

Yes, there are two variants of Bright Membership - Basic and Premium.
Premium Membership includes features such as credit monitoring, card manager, budget planner, debt pay-down plan and credit building solutions via rent and bill reporting. There are different monthly plans for the premium membership.

12M Plan - $97 billed annually
6M Plan - $68 billed every 6 months
3M Plan - $39 billed every 3 months

Basic Membership offers you features like “All your cards in one place” and the ability to pay your connected credit cards through Bright. Basic Membership is Free but fees may apply for keeping a non-zero balance in Basic Membership; please refer to Terms and Conditions for more information.

FAQs

What is Bright Membership? What are the benefits of Bright Membership?

−

Bright Membership includes credit monitoring, card manager, budget planner, debt paydown plan and credit building solutions via rent and bill reporting.

How much does Bright Membership cost?

The premium tier for Bright Membership costs less than $10 a month (for the annual plan). There are different monthly plans for the premium membership.

12M Plan - $97 billed annually
6M Plan - $68 billed every 6 months
3M Plan - $39 billed every 3 months

Are there different plans for Bright Membership?

12M Plan - $97 billed annually
6M Plan - $68 billed every 6 months
3M Plan - $39 billed every 3 months

2025 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn more here. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

1. Payment history has the biggest impact on your credit score, accounting for up to 40% of how the score is calculated, according to TransUnion (source). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increases are not guaranteed, and individual results may vary. Late payments, missed payments, or defaults on your accounts with us or others will negatively impact your credit score. Products and services are subject to state residency and regulatory requirements. Bright Builder is not available in all states.

2. When choosing an annual plan at $97 for 12 months, equal to $8.08 per month. Bright offers multiple plans and charges recurring fees of $14 per month for a monthly term, $39 for a three-month term, $68 for a six-month term, or $97 for an annual term.

The product images shown are for illustration purposes only.

Real results
with Bright

Bright Basic

Card manager

Score builder: Bill reporting

Debt pay-off plan

Score tracker and monitoring

AI assistant

24x7 chat support

Bright Premium

Card manager

Score builder: Bill reporting

Debt pay-off plan

Score tracker and monitoring

AI assistant

24x7 chat support

Rent Reporting

Find the perfect plan for you

Build your path to manage debt

FAQs

Still have questions?

What is Bright Membership? What are the benefits of Bright Membership?

How much does Bright Membership cost?

Are there different plans for Bright Membership?

FAQs

What is Bright Membership? What are the benefits of Bright Membership?

How much does Bright Membership cost?

Are there different plans for Bright Membership?

Still have questions?

All for less than
$10 a month!^⁷

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Real results with Bright

Bright Basic

Card manager

Score builder: Bill reporting

Debt pay-off plan

Score tracker and monitoring

AI assistant

24x7 chat support

Bright Premium

Card manager

Score builder: Bill reporting

Debt pay-off plan

Score tracker and monitoring

AI assistant

24x7 chat support

Rent Reporting

Find the perfect plan for you

Build your path to manage debt

FAQs

Still have questions?

What is Bright Membership? What are the benefits of Bright Membership?

How much does Bright Membership cost?

Are there different plans for Bright Membership?

FAQs

What is Bright Membership? What are the benefits of Bright Membership?

How much does Bright Membership cost?

Are there different plans for Bright Membership?

Still have questions?

All for less than $10 a month!⁷

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources

Real results
with Bright

All for less than
$10 a month!^⁷