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Revvi Visa® Credit Card review

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Revvi Visa® Credit Card
Finder score
Terms and conditions apply. Rates and fees
Cash back
Up to 1%
Annual fee intro for the first year ($48 thereafter)
Purchase APR (fixed)
Recommended credit score

Our verdict

Rampant fees and an enormous APR mean you should stay far away.

The Revvi Visa® Credit Card is a fee-laden card marketed as a tool that can help you build credit. Unfortunately, the card has a greater chance of hindering your credit-building efforts than helping. Right off the bat, you’ll need to pay a $95 setup fee — something you won’t find on any card worth owning. On top of that, you’ll pay a $75 annual fee for your first year and $48 each year thereafter. The card also possesses the rare monthly service fee starting on your second year, which will cost you an additional $8.25 per month. Finally, the card comes with a gut punch of an APR at 35.99% variable.

This card, in short, is meant to passively suck money out of your wallet. To simply own the card for your first year, you’ll be paying $170. While some providers like to argue that such fees are the tradeoff for being allowed to own a credit card with poor credit, this argument doesn’t hold much weight in today’s market, where plentiful credit-building options are available without such blistering fees — powerful credit-building cards, at that.

As such, we can’t recommend this card to consumers, even those desperate to build credit. The risks are too great and the fees are too many.

In this guide

  • Our verdict
  • Details
    • Features
    • Fees
  • Your reviews
  • Ask a question
  • This card isn’t a great fit even for those who need to build credit and have a poor credit score.
  • If you do choose to apply, you can do so with a poor credit score of 550 or higher.



Annual fee $75 intro annual fee for the first year ($48 thereafter)
Annual fee conditions Program Fee: $95.00 (one-time fee).
Annual Fee: $75.00 for first year. After that, $48.00 annually.
Monthly Servicing Fee: None for the first year. After that, $99.00 annually ($8.25 per month).
Welcome offer N/A
Rewards Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
Purchase APR 35.99% fixed
Balance transfer APR N/A
Minimum credit score 550
Issuer Visa


Cash advance rate 35.99% fixed
Cash advance fee $10 or 3% of the cash advance amount, whichever is greater
Cash advance fee description Cash Advance Fee: None for first year (introductory). After that, either $10.00 or 3% of the amount of each cash advance, whichever is greater.
Foreign transaction fee None
Interest free period Up to 21 days
Additional cardholder fee $0
Security deposit N/A

Revvi Visa® Credit Card drawbacks

  • Numerous painful fees. The Revvi Visa® Credit Card possesses the following fees, which are not commonly found with other credit-building card options.
    • Activation fee: $95
    • Annual fee: $75 your first year and $48 for each following year
    • Monthly fee: $8.25 per month starting your second year
    • Credit limit increase fee: If your credit limit is increased at any point, Revvi will charge you 20% of that increase as a fee
    • Premium plastic card design fee: Choose the premium plastic card design for this card and you’ll get charged a fee based on the chosen design
    • Express delivery fee: You’ll pay a $35 fee for the express delivery of your card. It’s not clear if you can opt out of this delivery method
    • Other typical fees: This is all on top of typical card fees you might find, such as cash advance fees greater than $10 or 3% of the advance.
  • Large ongoing APR. The Revvi Visa® Credit Card comes with a 35.99% variable APR, well above the 16% industry average. Carry a balance on this card and you’ll quickly rack up interest.
  • Small credit limit. The maximum starting credit limit on this card is $300. What’s more, your annual fee will be taken from this limit, resulting in an actual starting credit limit of $225.

Revvi Visa® Credit Card benefits

  • There are not many benefits to speak of when it comes to this product. This card is so loaded with fees and there are so many better credit-building options on the market – including secured cards – that there aren’t enough benefits to justify the use of this card.

How to apply for the Revvi Visa® Credit Card

We recommend against applying for this card. But if you must, here’s how to do it.

  1. Go to the provider's site to Learn more about how to apply for Revvi Visa® Credit Card.
  2. Fill out the requested information on the main page and click Apply now.

Alternatives to the Revvi Visa® Credit Card

Just because you have poor credit doesn’t mean you need to subject yourself to numerous fees to rebuild. Check out our full guide on unsecured credit building cards for even more options.

Compare other low credit score credit cards

As this card comes with many fees, we recommend comparing other credit cards that are likely to approve those with a low credit score. These cards can help you build credit without taking money out of your pocket.

1 - 3 of 10
Name Product Filter values Minimum deposit required Annual fee Minimum credit score
Capital One Platinum Credit Card
Finder Rating: 4.5 / 5: ★★★★★
Capital One Platinum Credit Card
Pay no annual fee, be automatically considered for a higher credit line in as little as 6 months. See rates & fees
Capital One QuicksilverOne Cash Rewards Credit Card
Finder Rating: 4.3 / 5: ★★★★★
Capital One QuicksilverOne Cash Rewards Credit Card
1.5% cash back on every purchase, every day. Plus earn 5% on hotels and rental cars booked through Capital One Travel (terms apply). See rates & fees
BOOST Platinum Card
BOOST Platinum Card
Apply with no credit or bad credit, for use on the Horizon Outlet website.

Revvi Visa® Credit Card customer reviews and complaints

We’re unable to find customer reviews of the Revvi Visa® Credit Card as of October 2021. What’s more, we couldn’t find the provider behind the Revvi Visa® Credit Card, MRV Banks, on the Better Business Bureau or Trustpilot websites.

Bottom line

Steer clear of this expensive credit card. If you need help building your credit score, there are better credit-building options available, even if you have a history of poor credit. You can also check out some secured credit cards for another easily accessible — but less financially punishing — credit-building option.

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Steven Finder

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