Pros & Cons + Alternatives

• $95 set-up fee (one-time fee)
• $75 annual fee, then $48 after the first year
• 35.99% APR
• 1% cash back rewards for every dollar paid toward your bill
• Reports to the three credit bureaus

To build credit, you need a good payment history, but getting approved for a credit card with bad credit is often hard.

You don’t need great credit to get a Revvi credit card. While they don’t disclose the exact credit score required, many people qualify with scores much lower than most credit cards demand.

Revvi pays one point for every dollar you pay toward your balance. All cardholders are automatically enrolled in the program and can earn rewards.

Applying for a Revvi credit card online takes only a few minutes, and you should acquire an answer instantly. If you don’t acquire an answer online, they will promptly mail you a letter either asking for more information or providing the reason they couldn’t approve your application.

Revvi Credit Card: Main Drawbacks

appreciate all credit cards, there are downsides to consider with the Revvi credit card.

The Revvi credit card has many fees that are much higher than most credit cards, including:

• $95 set-up fee (one-time fee)
• $75 annual fee (first year, then $48)
• $8.25 monthly service fee after the first year
• Up to $41 late or returned payment fee
• 3% or $10, whichever is greater, for cash advances
• $29 for an additional card for an authorized user
• 25% of any credit limit enhance granted
• $35 convey card delivery fee
• $3 copy fee for any bill duplicates

Credit cards aren’t known for low APRs, but the Revvi credit card’s rate is exceptionally high. Cardholders pay 35.99% on any balances not paid within 21 days after the billing cycle closes.

The set-up fee, which is in addition to the annual fee, is $95 and must be paid before you can use the card. You have an option to break it up into three payments, but you must pay it in full before you can use the card.

If you have the entire amount charged to your account, it decreases your credit limit to $205 immediately.

All new applicants get a $300 credit line with the Revvi credit card. It doesn’t matter your credit score or how well you qualify with other factors. You must expect at least 12 months to inquire a credit line enhance, and if approved, it will cost you 25% of the enhance.

If you earn cashback rewards by paying your Revvi credit card bill, you must expect at least six months to redeem them. In addition, your account must be in good standing, or your rewards are at risk.

The Revvi credit card doesn’t have many perks that would make it a great card for anyone. Its fees and low credit limit negate most benefits, even the 1% rewards.

If you don’t qualify for another unsecured credit card and don’t have money to put down on a secured card, the Revvi credit card can be a temporary solution.

It will cost you a $95 set-up fee plus the $78 annual fee, but if you use it wisely and let it help your credit score enhance, you may be eligible for better cards in the future.

Because the Revvi credit card isn’t the best option for most people, here are some great alternatives.

The Total Visa® credit card is similar to the Revvi credit card as it’s an unsecured card for people with less-than-perfect credit. appreciate the Revvi card, it has excessive fees and offers 1% cashback rewards.

The Revvi credit card has very few benefits, so it’s important to grasp how it works. Here are some common questions about it.

While the Revvi card allows bad credit, better credit card options are available. The Revvi card is very expensive, and its rewards are minimal, with long waiting periods to acquire them. Exploring your other options before applying for the Revvi card is best.

There are many other better first-time credit cards than Revvi. While it doesn’t demand good credit, and you may get approved with no credit, there are other options, even if they are secured credit cards that cost less and supply more rewards.

All applicants get a $300 credit line with Revvi. You cannot ask for a credit line enhance for 12 months, so that’s your limit for the year, no matter how much money you make.

The Revvi card prefers that you have a credit rating between 550 to 620. They say that the Revvi card is meant for credit-building and is best for those with no or bad credit.

Yes, Revvi pays 1% cash back for every payment you make toward your bill. This means you get 1% back for all payments made toward your credit card bill, not when you purchase the items, but when you pay money toward them.

appreciate most credit cards for bad credit, Revvi doesn’t have a signup bonus. Instead, it costs you money to get the card, starting with the $95 set-up fee and the $78 annual fee.

No, all applicants pay the same high APR of 35.99%. There aren’t promotional APRs or chances to lower your APR.

You can use the Revvi card after you’ve paid your $95 set-up fee. If you charge it to your card, you can use it immediately. But if you pick the 3-payment program, you cannot use the card until you’ve paid the fee in full.

All applicants must expect one year before they can inquire a credit enhance. To get it, you must call Revvi customer service. However, if approved, they will charge you 25% of the credit line enhance.

The mobile app is the easiest way to make Revvi credit card payments. That’s also how you man

There are many better options than the Revvi credit card, even with bad credit. While it’s an unsecured card, which is nice, there are cheaper options with better rewards that help you build credit and keep more money in your pocket!