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For many people who have faced credit difficulties or are simply starting out, getting approved for a traditional credit card can be nearly impossible.
That’s where the Revvi Card Visa comes in. It offers a unique combination of accessibility and reward, giving users the opportunity to rebuild their credit while enjoying the rare benefit of cashback.
Unlike many secured cards, Revvi is an unsecured product, meaning it doesn’t require a refundable deposit to open. Instead, users pay a one-time and annual fee, in exchange for the ability to start using the card and building their credit profile immediately.
This type of card is especially useful for people who may have had a financial slip in the past but are now stable and looking for a way back into the system. The Revvi card offers just that: a way to regain financial momentum with every responsible payment.
Revvi Card Visa
No security deposit required $89 one-time setup feeHow does the Revvi Card Visa work?
The Revvi Card functions like any standard credit card, with a few key differences. After being approved—often without a hard credit pull—you’ll receive a credit line based on your application. You can use it anywhere Visa is accepted, both in-store and online.
Every transaction earns you 1% cashback, which is credited back to your account once you make payments. This means it rewards responsible use and encourages timely payments.
Payments are due monthly, and the card reports your activity to the three major credit bureaus: Experian, Equifax, and TransUnion. This reporting helps you build a positive credit history, assuming on-time payments are made consistently. However, Revvi has no grace period—meaning interest begins to accrue the moment a charge is made. Users must be diligent to avoid high-interest costs by paying balances off as quickly as possible.
You’ll also have access to your account through the Revvi mobile app or website, where you can track spending, make payments, and manage account settings.
Main benefits for the Revvi Card Visa
The main advantage of the Revvi Card is its credit-building utility. For users who cannot qualify for better cards due to poor or nonexistent credit, this card opens a door. Its availability is one of its best features.
Another key benefit is the 1% cashback, which makes it one of the few subprime cards to offer rewards. This allows cardholders to earn a small return on their purchases—even while rebuilding.
The online tools offered via the mobile app also help users stay organized, track their transactions, and avoid missed payments. Alerts and balance notifications are designed to keep users in control.
And since no deposit is required, you maintain better cash flow. This can be critical for people just starting out or those in the process of financial recovery.
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Cons for the Revvi Card Visa
Despite its strengths, the Revvi Card comes with some notable downsides. The fee structure is complex and expensive: an $89 one-time fee, a $75 annual fee in the first year, and a $6.95 monthly service charge starting in the second year.
Additionally, the 35.99% APR is extremely high. And because there’s no grace period, interest starts immediately after any purchase. This makes it a poor choice for those who tend to carry a balance.
The credit limits are also typically low, which can make it harder to keep utilization below the recommended 30%. And while cashback is offered, the lack of other perks or signup bonuses puts it behind many mainstream cards.
It’s also worth noting that payments can take a few days to process, meaning balances might not update instantly.
APR and Fee Structure
Revvi is transparent about its costs, which include:
- One-time program fee: $89
- Annual fee: $75 for the first year, $48 each year after
- Monthly maintenance fee: $6.95/month starting in year two
- APR: 35.99% (variable)
- No grace period: interest starts on day of purchase
- Cash advance fee: Either $10 or 3% (whichever is greater)
- Late payment fee: Up to $41
These fees make it crucial to plan ahead, pay on time, and ideally avoid carrying a balance.
How to Apply for the Revvi Card Visa
- Visit the official Revvi Card website
- Fill out the pre-qualification form—no hard inquiry required
- Provide personal and financial information
- If approved, pay the one-time $89 program fee
- Wait for your physical card to arrive by mail
- Activate the card and start using it to build credit
- Use the mobile app to monitor activity and manage payments
- Make on-time payments and stay below 30% utilization
