Pay off debt smarter
with Bright Balance Transfer

Bright Balance Transfer grows with good behavior and has a low APR for life.
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Rated 4.8* based on 15,000+ reviews on
Payoff debt smarter
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A balance transfer account that grows with you

Start with a small limit today, up to $250^
Limit gradually goes up to $1k^ with good behavior
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Crush your credit card debt the smart way

Low interest forever. Not just the first year.
Save $100s^^ in interest charges.
Always grows with you. Get more with good behavior.
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Changing lives every day.

See how Bright users reached financial well-being. Watch their stories.

You can trust Bright

Bank level 256-bit encryption

Rated 4.8* on
App Store

24/7 live customer service

Start your debt-free life today and save up to $100s in interest fees

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Banking services provided by Evolve Bank & Trust; Member FDIC.
2022 Bright Capital Inc.

¹ How does Bright calculate our average payment?

Bright calculates and makes payments using our MoneyScience™ system, which analyzes your debt and targets the card with the highest interest charges, while also making at least the minimum due on all your connected cards. Bright also studies your checking account balance, your spending habits; and your recurring bills and adjusts payments to your goals and what you can afford. Our average payment was last calculated in April 2021, using data for users who enrolled between January 2020 and March 2021 and assuming users weren’t adding to their debt over the projected period. Payments always vary between users, because Bright tailors payments to your individual finances, debts and goals.

² How does Bright save money for users?

One of the ways Bright saves money for our users is to lower the interest charges incurred while paying down debt. Bright’s MoneyScience™ system makes smart payments on your debts, making sure high-interest debt is paid down first, a method that lowers your interest charges. Bright also always pays at least the minimum due on all cards connected to Bright, making payments on time, so users also avoid late fees. When we calculate our users’ average potential savings, we use the difference between using Bright versus paying just the minimum due. We also assume users aren’t adding to their debt over the period we’re estimating savings. Average savings are calculated on an annual basis, and when we estimate lifetime savings, we use data for users who joined us between January 2020 and March 2021. The amount you save with Bright will vary based on several factors, including payments you make yourself, your credit card balances, APRs, other card charges and fees Bright can’t control, and other activities.

* Based on Apple Appstore and Google Play store ratings as on May 2022.

^ Actual balance transfer limit may vary.

^^Individual interest savings may vary