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$75
Annual fee
for the first year ($48 thereafter)
34.99%
Purchase APR (fixed)
300
Recommended credit score
Annual fee | $75 intro annual fee for the first year ($48 thereafter) |
---|---|
Annual fee conditions | Program Fee: $89.00 (one-time fee). Annual Fee: $75.00 for first year. After that, $48.00 annually. Monthly Servicing Fee: None for first year (introductory). After that, $75.00 annually ($6.25 per month). |
Welcome offer | N/A |
Rewards | N/A |
Purchase APR | 34.99% fixed |
Balance transfer APR | N/A |
Minimum Credit Score | 300 |
Issuer | Visa |
Review by
Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.
The Revvi Visa® 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 an $89 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 $6.25 per month. Finally, the card comes with a gut punch of an APR at 34.99% 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 $164. 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.
We recommend against applying for this card. But if you must, here’s how to do it.
Just because you have poor credit doesn’t mean you need to subject yourself to numerous fees to rebuild. Cards like the Credit One Bank® Platinum Visa® for Rebuilding Credit and the Petal® 1 "No Annual Fee" Visa® Credit Card, for example, are both great options for those with poor credit that don’t possess predatory fees and can still help you build your credit. Check out our full guide on unsecured credit building cards for even more options.
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.
We’re unable to find customer reviews of the Revvi Visa® Card as of October 2021. What’s more, we couldn’t find the provider behind the Revvi Visa® Card, MRV Banks, on the Better Business Bureau or Trustpilot websites.
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.