Revvi Card review: cash back for low credit scores

The Revvi Card is a new way to pay that promises people with a less-than-perfect score convenience, security, and flexibility. Read our review to find out if it's right for you.


Revvi Card: Earn 1% back every time you pay your credit card balance!

A credit card for people with low credit scores. Source: The News Stacker.

Is your credit score not where you want it to be? In this Revvi Card review, we’re going to introduce to you a convenient and simple way to get back on track. All while you enjoy the purchasing power of a Visa card and cash back rewards on your monthly payments. 

Revvi Card

See how to apply for the Revvi Card

Learn how you can easily apply for the Revvi Card and earn cash back rewards while you work on improving your credit score!

  • Credit Score: There are no minimum score requirements for the Revvi Card.
  • Annual Fee: $75 during the first year, then $48. 
  • Intro offer: There is no current welcome bonus offer with this card.
  • Rewards: You’ll earn 1% back on all Revvi payments.
  • APRs: The card has a variable 34.99% APR on purchases. 
  • Other Fees: There’s a one-time program fee of $89, and a monthly fee of $6.25 starting on the second year of membership. There’s a max late fee up to $41, and a 3% cash advance fee during your 2nd year of card membership. 

This is a card designed specifically for people with a low score who are looking for ways to improve it.

Revvi offers an unsecured initial line of $300 for emergency borrowing, and reports all account activity to the three main credit bureaus in the U.S.

So if you’re looking for a reliable and simple way to get your finances in order, keep reading our Revvi Card review and we’ll show you how to get there. With this card, you’ll see your rating soar in no time!

Revvi Card: What can you expect?

The Revvi Card offers people with low scores the ability to build and establish a healthier financial future. The card’s issued by MRV Banks and has nationwide acceptance from a real Visa product.

With this card, you’ll get a $300 initial spending limit (subject to credit analysis) and a 1% cash back reward on your monthly balance payments.

Using the card responsibly can help you speed-up your credit building since Revvi reports all payments to the main bureaus. 

While the card has a fantastic approval rate for people who need financial aid, it does not come cheap. The variable APR is currently at 34.99%, and Revvi carries quite a lot of fees. The one-time program fee alone is $89. 

Your annual fee during the first year of membership is $75, and drops to $48 during your second year.

However, the $48 annual fee is joined by a $6.25 monthly fee on your second year as well. Finally, you need to have a valid checking account to qualify for this card. 

Do the pros outweigh the cons?

Use this card for everyday purchases. Source: Canva.

Before signing up for the Revvi Card, it’s important to understand all of the pros and cons so that you can make an informed decision about whether this solution is right for you.

See them next in our Revvi Card review.


  • All credit types are welcome to apply for the Revvi Card;
  • You’ll earn 1% back on all monthly payments;
  • Get the purchasing power of a real Visa card;
  • Get access to free credit monitoring tools by TransUnion;
  • Revvi reports all payments to the three main credit bureaus;
  • Manage your Revvi account with their intuitive mobile app.


  • The Revvi Card charges a lot of fees;
  • The card’s regular APR is on the high side, so carrying a balance could put you in serious debt.

What are the eligibility requirements?

You can apply and get approved for this card regardless of your credit score. Revvi understands financial trouble can happen to anyone and offers a valuable tool on the path to recovery.

You do, however, need a valid checking account to your name in order to qualify for the Revvi Card. Otherwise, this product will not be available to you. 

Learn how to request the Revvi Card

If you’ve reached this far in our Revvi Card review, the next logical step is learning how you can apply for the card.

In the following link, we’ll take you through the application process step-by-step so you can easily request this card. Read on!

Revvi Card

See how to apply for the Revvi Card

Learn how you can easily apply for the Revvi Card and earn cash back rewards while you work on improving your credit score!

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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