OneMain BrightWay Cardholder Agreement AMFgeneric July

OneMain BrightWay Cardholder Agreement AMFgeneric July 2025, as filed by Webbank, carries a 35.99% purchase APR and no annual fee. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

The disclosed terms

The document behind this page is Webbank's filed agreement for OneMain BrightWay Cardholder Agreement AMFgeneric July 2025. The filing runs 16 pages, and It is issued on the Mastercard network.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

The purchase APR against the corpus

The purchase APR of 35.99% places this agreement around the 97th percentile of the set — it sits in the top few percent of the entire set.

Translating the rate into money

Put $2,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $866.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $374 more per year.

Per statement cycle that is on the order of $60.02 on $2,000, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

For cash advances the filing discloses a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.99%.

The filing discloses a 35.99% balance transfer rate without an accompanying fee figure.

Foreign transactions attract 1%. On $2,000 of overseas spending that is $20, charged on top of whatever exchange rate applies.

Default pricing

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

What you cannot learn from the filing

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Against the rest of Webbank's filings

This is one of 23 Webbank agreements collected here. Their disclosed purchase rates run from 19.99% to 36%, and this one at 35.99% is more expensive than 11 of them.

On fees, 7 of the 12 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The document itself

Everything here is a reading of the filed agreement, 16 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The defining fact about this filing is the purchase rate: at 35.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance.