Revvi Card

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Last updated on January 3rd, 2022

Revvi Card

Don't Need Perfect Credit to Apply

Revvi Card
  • Regular Purchase APR 34.99%*
  • Cash Advance APR 34.99%*
  • Annual Fee $75 1st year, $48 after*
  • Credit Needed See website for details
  • Processing Network Visa
Best Benefits
  • Earn 1% Cash Back Rewards^^ on payments made to your Revvi Credit Card
  • Fast and easy application; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Don't need perfect credit to apply
  • ^^See Revvi Rewards Program Terms & Conditions for details
  • *See rates, fees, costs and limitations for additional details
Rates & Fees
  • Regular Purchase APR: 34.99%*
  • Cash Advance APR: 34.99%*
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: $75 1st year, $48 after*
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals

At a Glance

The Revvi Card features a quick and easy application, and it doesn’t require perfect credit. Revvi is a full-fledged Visa® credit card that can help you improve your credit score with on-time payments and responsible use. Not only that, but Revvi also offers 1% Cash Back Rewards^^ with on-time payments. The card also features an initial credit line of $300, with the chance of a credit limit increase after year one.

Ideal for Those Who:

  • Want to improve their credit score by making on-time payments and keeping credit use low
  • Want Visa® protections, like Zero Fraud Liability coverage
  • Are seeking manageable monthly payments
  • Want to earn 1% Cash Back Rewards^^, on payments made to the card

Revvi Card Review

The Revvi Card is an unsecured Visa® that provides a great platform for repairing credit – or building a positive history. The card provides an initial credit line of $300, the features of a full-fledged Visa® (including acceptance by nearly all merchants in the United States), and an excellent platform for improving credit.

Building Credit with Revvi

Improving your credit score takes time and effort. This effort is the process of making smart financial decisions, such as keeping credit utilization low and paying your bills on time every month. A card like the Revvi Card is part of this process and can spearhead a brighter financial future.

Cards like the Revvi Visa® provide access to unsecured credit for people with less than perfect credit. This greater application acceptance helps those with bad credit gain the credit they need, without the security deposit requirement of secured credit cards.

Making on-time payments and keeping credit use low with the Revvi Card are essential parts of the credit journey. Credit use and payment history account for over two-thirds of a person’s FICO credit score – meaning they are the two most significant factors in raising your credit score. And since Revvi Card reports monthly to all three major credit bureaus (Experian, Equifax, and TransUnion), that hard work can really pay off.

Earn 1% Cash Back on Purchases

The Revvi Card also earn 1% Cash Back Rewards^^ on purchases when paying the card’s minimum balance due every month. Earning 1% cash back while building credit is an excellent feature, making Revvi a solid option for anyone seeking to boost their score and get rewarded at the same time.

Cash back rewards apply towards statement credits to help pay down Revvi Card balances. There is no limit to the total amount of rewards a cardholder can earn. 

Credit Limit Increases

The Revvi Visa® credit card comes with an initial credit line of $300 (subject to credit approval). While this credit line isn’t exceptional, Revvi does review cardholder accounts as early as 12 months after opening. If your credit score has improved, and Revvi sees an opportunity, you might receive a credit limit increase (subject to an additional credit increase fee of 20% of the amount of any increase.

How to Apply for Revvi Card

Like other credit cards for bad credit, the Revvi Card features a quick and easy application process. Revvi features a quick application form on their secure site, with a credit decision in as little as a few seconds.

You’ll need the following personal information to apply:

  • Full name
  • Date of birth
  • Legal Address
  • Social Security Number or EIN tax ID

However, keep in mind that Revvi requires a checking account to apply to help verify identity and finances. This requirement also provides greater credit access to those who might otherwise be declined for a credit card.

Once approved, successful applicants must pay an $89 program fee to open their account. This fee is in addition to the $75 annual fee (a fee that drops to $48 after year one), so keep that in mind before applying.

Watch Out for the APR

The Revvi Visa® features a very high APR on purchases. High interest rates only matter if you a balance, however. Pay off the entire balance before the billing period ends, and a statement is issued, and you’ll have no problems with Revvi. If you do plan on having a balance, though, expect to pay significant interest.

Card Availability

The Revvi Card Visa is currently available to applicants in all 50 U.S. states and the District of Columbia.

Revvi Card FAQs

Here are some frequently asked questions (and answers) regarding the Revvi Card Visa credit card:

  • Yes, in both the Apple App Store and the Google Play Store. The Revvi app is for Revvi cardholders to allow for a quick, easy way to manage their credit card account and their Revvi Rewards on the go.
  • Revvi is issued by MRV Banks.

Revvi Card Ratings

How does the Revvi Visa stack up? Here are a selection of expert reviews for the card:


User Rating


User Testimonials

What is the Revvi Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:

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There are currently no user reviews for this card

Should You Apply for the Revvi Card?

There are plenty of unsecured credit cards for bad credit on the market, so should you consider the Revvi Visa®? The card offers greater acceptance odds than many credit cards, thanks to its checking account requirement. Additionally, the card regularly reports to the major credit bureaus – many competitors only report to one bureau, while others only report semi-regularly.

The major drawbacks to the Revvi Card are the high fees it charges. Chief among those fees is the purchase APR in the mid-30s – one of the highest on the market. Still, if you plan on paying your balance in full, this interest rate won’t cause any problems. And, if you are looking for a credit repair credit card, why wouldn’t you want to pay in full?

^^See Revvi Rewards Program Terms & Conditions for details.

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