The OneMain Financial is a personal credit card from OneMain Financial. The annual fee is $0–$89. The ongoing APR is 35.99%. Approval typically requires a credit score of 500–639 or higher. Rewards: Get rewarded for paying on time with BrightWay ® — the credit card that grows with you.. Cash back: 1% unlimited on all purchases. Typical credit limit: $300–$15,000. Funding speed: Money as fast as 1 hour after loan closing.. Loan terms: Fixed rates, clear terms, fast decisions.. This product reports activity to your personal credit report. Pre-qualification available (soft pull)