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Revvi Visa® Card review

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

  • 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 300 or higher.
1.0 ★★★★★ (4 reviews) Write a review


Annual fee

for the first year ($48 thereafter)


Purchase APR (fixed)


Recommended credit score


Annual fee$75 intro annual fee for the first year ($48 thereafter)
Annual fee conditionsProgram 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 offerN/A
Purchase APR34.99% fixed
Balance transfer APRN/A
Minimum Credit Score300

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.

Expert review

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.

Revvi Visa® Card drawbacks

  • Numerous painful fees. The Revvi Visa® Card possesses the following fees, which are not commonly found with other credit-building card options.
    • Activation fee: $89
    • Annual fee: $75 your first year and $48 for each following year
    • Monthly fee: $6.25 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 $41 late payment fees and cash advance fees of the greater of $10 or 3% of the advance.
  • Large ongoing APR. The Revvi Visa® Card comes with a 34.99% 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® 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® Card

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

  1. Select Apply now.
  2. Fill out the requested information on the main page and click Apply now.

Alternatives to the Revvi Visa® Card

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.

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 15
Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Tomo Credit Card
New to credit
A credit-building card with no fees, no APR, and no credit check.
Surge Mastercard® Credit Card
You may be asked to make a deposit for a secured card
24.99% to 29.99% variable
$75 to $99
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.
Reflex Mastercard® Credit Card
You may be asked to make a deposit for a secured card
24.99% to 29.99% variable
$75 to $99
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.

Compare up to 4 providers

Revvi Visa® Card customer reviews and complaints

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.

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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