Products Toggle dropdown
Resources Toggle dropdown
Get Started Arrow icon
Close Menu
Products Dropdown arrow
Bright Builder

Bright Builder

Build Credit history with on-time payments¹

 Bright Plan

Bright Plan

Customized debt pay-off and budgeting plan

 Smart Round-Ups

Smart Round-Ups

Round up everyday purchases and save effortlessly

 Rent Reporting

Rent Reporting

Rebuild your credit history with rent payments

 Personal Loans

Personal Loans

Multiple loan offers from partners in minutes

 Cash Advance

Cash Advance

Multiple offers of up to $750. All credit scores can apply
Resources Dropdown arrow
Learn

Learn

Master your money with expert guides and financial insights

 Calculators

Calculators

Smart tools to visualize your financial goals

 Careers

Careers

Join a team solving everyday money problems, using AI

 FAQs

FAQs

We’re here to help. Find solutions to your top questions
Get Started Arrow icon
Bright Builder

Bright Builder

Build Credit history with on-time payments¹

 Bright Plan

Bright Plan

Customized debt pay-off and budgeting plan

 Smart Round-Ups

Smart Round-Ups

Round up everyday purchases and save effortlessly

 Rent Reporting

Rent Reporting

Rebuild your credit history with rent payments

 Personal Loans

Personal Loans

Multiple loan offers from partners in minutes

 Cash Advance

Cash Advance

Multiple offers of up to $750. All credit scores can apply

Learn

Master your money with expert guides and financial insights

 Bright Plan

Calculators

Smart tools to visualize your financial goals

 Rent Reporting

Careers

Join a team solving everyday money problems, using AI

 Personal Loans

FAQs

We’re here to help. Find solutions to your top questions

Real results with
Bright Membership

Compare Bright Membership pricing for Basic, Starter, and Premium plans. Build credit history, get loan offers, and manage debt with transparent membership fees.

Bright Membership pricing plans — Basic, Starter, and Premium

Basic

Bright Basic plan
$0
Basic Plan

Get Personal Loan and Cash Advance Offers

Get Started

Starter

Bright Starter plan
$5/month
Monthly plan

Earn Cash, Get Loan Offers, and Budget Smarter

Get Started

Premium

46% OFF
Bright Premium plan
$8.08$14/month
Billed $97 annually

Build Credit History, Earn Cash, and Get Loan Offers

Get Started
Loan Offers
Personal Loan Offers
Cash Advance Offers
LoanGPT - AI Assistant
Save and Earn
AI Budget Planner
-
Smart Round-Ups
-
Cash Rewards
-
Credit Card Manager
-
Build Credit
Cell and Bill Reporting
-
-
Credit Monitoring
-
-
Debt Paydown Plan
-
-

Basic

Bright Basic plan
$0forever

The essentials to manage your cards and get started with Bright.

Get Started

Starter

Bright Starter plan
$5/month

Start building credit history by reporting your everyday bills.

Get Started

Premium

46% OFF
Bright Premium plan
$8.08$14/month
Billed $97 annually

Build Credit History, Earn Cash, and Get Loan Offers

Get Started
Basic
-
-
-
-
-
-
-
Starter
-
-
-
Premium

Add-Ons available with all plans

Rent Reporting
Monthly Reporting
$4/month
Past Reporting
$35/One time

Report your rent payments to build credit history1

Get Started
Deals
Deals and Subscription Negotiation
$3/month

Earn exclusive cashback from thousands of brands

Get Started
Bill Saver
Cancellation
$20/One time

Lower your bills by canceling unwanted subscriptions.

Get Started

FAQs

Still have questions?

Visit FAQs Page

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?

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.

The app for your money needs!

All for less than
$10 a month! ⁷

Get Started
Arrow Right