Enjoy exclusive benefits with early access to the Bright Builder Card
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Bright Builder Card is going to launch soon, and we will reach out to you with 
your exclusive benefits and card details on your email ID. *Illustrative example
Bright Builder Card

Build credit at 0% APR¹.

Rebuild your credit one swipe at a time¹. Don't let your credit past dictate your financial future.
Apply Now
*illustrative example

Why Bright Builder Card?

How it works


Start with a refundable deposit as low as $30. Your deposit equals your credit limit.

Get your deposit back when you close your card³.


Spend on your card.

Keep your spending below 30% of your credit limit to see the best results. Spend normally, build credit simply¹.


Pay at least the minimum amount due on the card every month.

Paying back the dues builds credit history.


We report your payments to the credit bureaus.

We report to Equifax and TransUnion.


You build credit with on-time payments¹.

On-time payments can help increase your credit score¹.

You get your security deposit back after clearing any remaining outstanding balance if you decide to close your card³.
Rebuild credit with on-time payments¹
Start Building Credit Today¹!
Apply Now
Details about

Bright Builder Card

0% APR
APR (Annual Percentage Rate)
Security Deposit
Starting at $30
Credit limit
$30 - $1000
Annual fee
Apply now

Get the most out of your Bright Builder card

Tap to pay
Pay on the go with contactless payments.
Greater coverage
Use your Bright Builder card anywhere VISA cards are accepted.
Account protection
Freeze your card from the app with just a single tap. Un-freeze anytime.

Know more about Bright Builder Card

What are the minimum requirements to apply for Bright Credit?
Will checking rates affect my credit score?
Is Bright Credit a Revolving line of credit or an Installment loan?
Can I use Bright Credit to pay down credit card debts from multiple issuers?
Can I continue to use my credit cards or does Bright Credit make me close my credit cards once they are paid off?
How is a Bright Credit different from a debt settlement loan?
Is any security deposit required to get Bright Credit?
How can I get approved for Bright Credit?
What can I use Bright Credit for?

What is a secured card and how does it work?

How does the Bright Builder Card work?

What is the credit limit on the Bright Builder Card?

Where can I use my Bright Builder card?

Still have questions about Bright Builder Card?

Bright Money provides tools for tackling debt.