Revvi Card Review 2026: Fees, APR & Better Alternatives

Been turned down for a credit card and seeing ads for the Revvi card promising easy approval with no deposit? The Revvi card is built for people with bad or no credit, and it does report to the bureaus. But the no-deposit convenience comes with a stack of fees that can cost more than a year of careful use is worth. This review breaks down every fee and the APR, verified against Revvi's official rate disclosure, so you can judge it clearly.

Key Facts at a Glance

What Is the Revvi Card?

The Revvi card is an unsecured subprime Visa issued by MRV Banks. Unsecured means there is no security deposit, which is the main reason people choose it over a secured card. As an open-loop Visa it reports to all three credit bureaus, so on-time payments and low balances can help your score over time. It cannot be used outside the United States and is not available in New York.

The trade-off is cost. Revvi's fee structure is among the heaviest in the credit-builder market, and several fees are charged before you can even use the card. Your starting credit limit is between $200 and $500, with most applicants starting near $200 to $300.

Revvi Card Fees and APR

This is where the card earns its reputation. According to Revvi's official rates and fees disclosure, as of June 2026:

• One-time program fee: $95, which must be paid in full before your account opens and is not part of your credit line
• Annual fee: between $50 and $125 in the first year depending on your assigned credit limit, then $48 every year after
• Monthly servicing fee: $0 the first year (introductory), then $6.25 to $10.25 per month ($75 to $123 per year) based on your limit
• Purchase and cash advance APR: 35.99 percent; no separate penalty APR is disclosed
• Late or returned payment fee: up to $41 each
• Cash advance fee: $0 the first year, then the greater of $10 or 3 percent
• Additional authorized-user card: $29 per year
• Express card delivery: $35; minimum interest charge: $1.00

The program fee alone reduces your available credit before you spend a dollar. On a $300 limit, for example, the $75 first-year annual fee leaves you about $225 to actually use, and once the introductory year ends a roughly $8.25 monthly fee kicks in on top. The 35.99 percent APR is at the very top of the unsecured market, so carrying a balance is costly. There is a grace period, so paying this card in full each month avoids interest entirely. APRs vary by creditworthiness, and terms and conditions apply.

Revvi Card Rewards, Approval, and Drawbacks

The Revvi card advertises a 1 percent cash-back program on payments, but the rewards are minor next to the fees, and there is no welcome bonus. There is no published minimum credit score; the card is aimed at people with bad or no credit, and reported approvals include scores around 500 and up. Credit limits start at $200 to $500 based on your profile, and a credit-limit increase later costs 25 percent of the increase amount. Common cardholder complaints center on the stacked fees and a small starting limit. On the positive side, users who treat it strictly as a credit-building tool, paying on time and keeping balances low, generally report score improvement over 12 to 18 months. If you have been turned down before, our guide to the easiest unsecured credit cards to get approved for can point you toward lower-cost options.

Who Should Consider It?

The Revvi card may fit someone who genuinely cannot get approved anywhere else and specifically wants an unsecured card with no deposit. Even then, the fees deserve a hard look, because many people with bad credit can qualify for credit-builder cards that cost far less. If you can put down a small deposit, or use a paycheck-based option, you can usually build credit for a fraction of Revvi's cost.

A direct no-deposit alternative is the Aspire Mastercard, an unsecured card built for people rebuilding credit. In fact, the Aspire Cash Back Rewards Mastercard is an unsecured card with no security deposit, prequalification up to a $1,000 limit, up to 3% cash back, and reports to all three bureaus.

If you would rather let your paycheck do the work, Perpay is powered by your paycheck — no security deposit, shop and pay over time while it reports to all three bureaus, members see an average 32-point increase.

For a no-deposit card whose limit can grow as you use it, the Arro Card is an unsecured starter card with no deposit and no hard credit check; start with a limit up to $300 that grows toward $2,500 via in-app tasks, reports to all three bureaus.

How These Compare

The Revvi card's edge is no deposit and broad approval, but you pay heavily for it through a $95 program fee, an annual fee, and second-year monthly fees. The alternatives above offer the same core benefit, payments reported to all three bureaus, at a lower cost. Aspire skips the deposit and adds cash back; Perpay turns your paycheck into automatic on-time payments; Arro starts small and grows your limit as you build history. For many people with bad credit, a no-deposit card builds credit just as effectively without the heavy fee load, and our roundup of the best credit-builder cards compares the leading picks side by side. If you are weighing your options, secured vs unsecured credit cards explains the trade-offs. Tools like Creditship.ai offer free monitoring so you can see what is moving your score, and if you have been denied before our guide on applying for a credit card after being denied walks through smart next steps.

Is the Revvi Card Worth It?

The Revvi card can help you build credit if you truly cannot qualify elsewhere and you use it carefully. But the $95 program fee, tiered annual fee, and second-year monthly fee make it one of the more expensive ways to do it. Before you apply, compare it against the lower-cost alternatives above. For most people building credit, a card with fewer fees gets you to the same place for less. Our primer on how to get a credit card with bad credit covers the smartest first steps.

Frequently Asked Questions

How much does the Revvi card cost?

As of June 2026, per Revvi's rate disclosure, the card charges a one-time $95 program fee paid before the account opens, an annual fee of $50 to $125 in the first year (then $48), and a monthly servicing fee of $0 the first year, then $6.25 to $10.25 per month depending on your credit limit. Late and returned payment fees run up to $41. APRs vary by creditworthiness.

Does the Revvi card require a deposit?

No. The Revvi card is unsecured, so it does not require a security deposit. That is its main appeal, but it offsets the no-deposit feature with higher fees than most credit-builder cards, including a program fee charged before you can use the card.

Does the Revvi card help build credit?

Yes. The Revvi card reports to all three bureaus, Experian, TransUnion, and Equifax, so on-time payments and low balances can help your score over time. Cardholders who use it strictly as a credit-building tool often report improvement within 12 to 18 months.

Are there cheaper alternatives to the Revvi card?

Yes. No-deposit cards like the Aspire Mastercard, the paycheck-powered Perpay card, and the Arro Card can build credit for far less than Revvi's stacked fees, while still reporting your payments to the bureaus.