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Want to learn more?

What are the conditions for receiving Referral rewards?
How do I make a $10 transaction to satisfy the eligibility conditions? 
Why am I not getting any rewards?
Where can I withdraw my rewards?
Why can’t I withdraw money to another checking account?
How many rewards can I claim per month?
What does “My Award Eligibility” mean?
Will I get a refund of membership if I join through a referral program?
Why is it taking so long to get my reward?
What are the Terms and conditions for the referral program?
Why can’t I invite anybody? Why are invites paused?
Why does my friend see the referral program is paused when they sign up? 
Why are the rewards distributions paused?
Why does it say “We’re Reviewing” on the Referral section of the app?
How can I use the Referral section in the app to track my rewards?

What does 'Make a $10 transaction' mean?

Do any one of these debt-smart options:
  • Use Bright to make a payment to any of your credit cards.
  • Add money to your Bright Savings pockets.
  • Activate Bright Credit Builder.
  • Use Bright Balance Transfer for a lower APR.
Note: Not all of these features are available everywhere.
Banking services provided by Evolve Bank & Trust; Member FDIC.
2022 Bright Capital Inc.

Bright’s Referral Policy

$500 award contest:

n addition to our general referral program, we are offering a contest for a limited time period during which you could win  a $500 reward. The following terms and conditions are applicable in addition to our general T&C:
  • Users should be referring to their friends or family in the contest period only.
  • All the referred users need to satisfy the eligibility criteria before June 15, 2022.
  • The discretion to select the winner remains with Bright.
  • Only one winner will be selected and will be announced at the end of the contest period, i.e. on June 15, 2022.
  • Bright reserves the right to either decline to grant the referral reward or to take back the referral reward or any related dollar proceeds if the customer doesn’t fulfill the required terms or conditions, or in the event that Bright determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the referral or the referred customer’s Bright account.
$250 Limited offer:

Bright is also offering one-time rewards to users satisfying the conditions below. In this offer, users could receive $250 in total referral rewards.The following terms and conditions must be met, in addition to our general Terms & Conditions:
  • All referrals must be initiated during a single session, beginning when the user opens the screen where the offer is presented and ending when the user leaves the same screen or closes the Bright app. Only users referred during this session will be eligible for this offer.
  • At least 5 users referred during the session must satisfy the eligibility criteria outlined in our Terms & Conditions.
  • When the user clicks on the button “Invite 4 more friends,” with the text “Offer available one-time only, for the first 5 eligible referrals” below it, they are accepting the terms and conditions for this offer.
  • A user will only be able to receive this offer’s reward once.
  • Any other referrals made before or after the user’s single session on the screen where the offer is presented will not be considered for the reward.
  • Bright reserves the right to either decline to grant the referral reward or retract the referral reward or any related dollar proceeds if the customer doesn’t fulfill the required terms or conditions, or in the event that Bright determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the referral or the referred customer’s Bright account.
$500 Limited offer:

Bright is also offering one-time rewards to users satisfying the conditions below. In this offer, users could receive $500 in total referral rewards.The following terms and conditions must be met, in addition to our general Terms & Conditions:
  • All referrals must be initiated during a single session, beginning when the user opens the screen where the offer is presented and ending when the user leaves the same screen or closes the Bright app. Only users referred during this session will be eligible for this offer.
  • At least 5 users referred during the session must satisfy the eligibility criteria outlined in our Terms & Conditions.
  • When the user clicks on the button “Invite 4 more friends,” with the text “Offer available one-time only, for the first 5 eligible referrals” below it, they are accepting the terms and conditions for this offer.
  • A user will only be able to receive this offer’s reward once.
  • Any other referrals made before or after the user’s single session on the screen where the offer is presented will not be considered for the reward.
  • Bright reserves the right to either decline to grant the referral reward or retract the referral reward or any related dollar proceeds if the customer doesn’t fulfill the required terms or conditions, or in the event that Bright determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the referral or the referred customer’s Bright account.
$1000 Cards Pay-off contest:

Bright is offering a one-time reward to its users satisfying the eligibility criteria and the below conditions. All verified users of Bright are eligible for the referral program. In this offer, a lucky user stands a chance to win upto $1000 which can be redeemed only towards payment of the immediate upcoming credit card(s) dues. The following terms and conditions must be met, in addition to our general Terms & Conditions:
  • At least 5 users referred during the session must satisfy the eligibility criteria outlined in our Terms & Conditions.
  • When the user clicks on the button “Invite 4 more friends,” with the text “* Up to $1,000 paid on your credit cards' balances. Restrictions apply.” below it, they are accepting the terms and conditions for this offer.
  • To participate in this contest, you must agree to the terms and conditions of this contest. 
  • The offer is over and above the on-going app offers and gives user a maximum additional benefit of $1000.
  • Bright reserves the right to either decline to grant the referral reward or retract the referral reward or any related dollar proceeds if the customer doesn’t fulfill the required terms and/or conditions, or in the event that Bright determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the referral or the referred customer’s Bright account. 
  • Bright reserves the right to modify the terms and conditions of the referral program, including but not limited to terminating the referral program, with immediate effect, as it may deem fit without any prior notice.
  • Bright reserves the right to disqualify any person(s), institutions from the Bright referral program as it may deem fit.
  • This contest will be valid till September 30, 2022, 11:59:59 PM UTC .
  • Winner will be announced on October 4, 2022 and will be notified by via email registered with Bright.
  • In case of any dispute, the decision taken by Bright would be final.
Building your referral