BrightWay — WebBank is a personal credit card from WebBank. Application typically pulls a hard report from Experian. The annual fee is Yes; annual fee up to $89. The ongoing APR is 35.99%. Approval typically requires a credit score of 500–639 or higher. Rewards: Unlimited cash back: 1% on purchases (net of returns and credits); milestone rewards such as a credit limit increase (subject to credit approval) or APR decrease in as little as six months. Cash back: 1% unlimited on all purchases. Typical credit limit: Up to $1,500. 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)