Revvi Card Review: The Verdict Up Front
Revvi is the Total Visa with a different bank on the back. Same $95 program fee before your account opens. Same $50 to $125 first-year annual fee that drops to $48. Same monthly servicing fee from year two. Same 35.99% APR and the same 25% toll on credit limit increases.
Its one differentiator: 1% cash back on payments and rotating select-merchant offers, worth a few dollars a year at these limits.
Verdict: a working last-resort builder priced like a penalty. If any secured card will take you, take it instead.
The Full Revvi Fee Table
From the terms and conditions on revvi.com, issued by MRV Banks:
- Program fee: $95, one time, paid before the account opens
- Annual fee, year one, by limit: $50 at $200, $75 at $300, $100 at $400, $125 at $500
- Annual fee after year one: $48
- Monthly servicing fee: none the first year, then $75 a year ($6.25/mo) at $200, $99 a year ($8.25/mo) at $300 or $400, $123 a year ($10.25/mo) at $500
- Purchase and cash advance APR: 35.99%
- Cash advance fee: none the first year, then $10 or 3%, whichever is greater
- Credit limit increase fee: 25% of each increase, after the first year
- Late or returned payment: up to $41 each
- Additional card: $29 a year. Premium card design: up to $10. Express delivery: $35
The annual fee posts against your limit at opening. At the $200 minimum, MRV’s own example leaves you about $150 of usable credit on day one.
What Revvi Gets Right
The door opens. Credit lines up to $500, no deposit, approval standards built for challenged files, monthly reporting to the credit bureaus, and free TransUnion monitoring in the app. Pay on time for a year and your reports show it.
The 1%-back-on-payments gimmick is at least honest: pay your bill, get a small rebate. On a $500 line used fully every month, that is about $60 a year back, against $170 of first-year fees.
Revvi vs Total Visa vs First Premier
The Total Visa is Revvi’s twin at The Bank of Missouri, matching it fee for fee. First Premier runs the same program-fee architecture with its own per-tier schedule and higher limits available. None of the three escapes the same verdict: heavy mandatory fees for reporting you can get nearly free.
If you hold offers from two of these, compare total first-year cost at your approved limit and take the smaller number, or better, neither.
The Cheaper Path
The Capital One Platinum Secured: $0 annual fee, deposit from $49, refundable. The OpenSky Secured Visa: no credit check, $35 a year. Both report to all three bureaus. Full comparison: best secured cards.
Then challenge what is dragging the file. Credit Booster AI scans your TransUnion, Experian, and Equifax reports, flags likely errors, and drafts the letters, for $9.99 a month. A removed error typically moves a score 30 to 60 points, often enough to leave the program-fee tier behind for good.
Bottom Line
Revvi rebuilds credit at one of the highest prices in the market: $170 first-year cost on a $300 line, then roughly $147 to $171 a year after. Use it only when nothing cheaper approves, autopay in full, and refuse the 25%-fee limit increases. Meanwhile, download Credit Booster AI and work on the file that made Revvi the option.
Sources
- Revvi terms and conditions: 35.99% APR, $95 program fee, annual fees $50 to $125 then $48, monthly servicing fees after year one, 25% credit limit increase fee, MRV Banks issuer: Revvi T&C document (verified 2026-07-25)
- Revvi homepage: credit lines up to $500, $95 program fee step, 1% rewards on payments, monthly bureau reporting, TransUnion monitoring: revvi.com (verified 2026-07-25)
- Capital One Platinum Secured comparison figures: capitalone.com/credit-cards/platinum-secured (verified 2026-07-20)
Related reading: Revvi’s twin: the Total Visa review. The other program-fee heavyweight: First Premier review. Cheaper doors: best secured cards.
Revvi fee stack vs a no-fee secured card
The Total Visa twin: program fee, annual fee, monthly fee, and a 25% charge on limit increases.
| Feature | Revvi card | Capital One Platinum Secured |
|---|---|---|
| One-time program fee | $95 before the account opens | $0 |
| Annual fee, first year | $50 to $125 by credit limit | $0 |
| Annual fee, year 2 on | $48 | $0 |
| Monthly servicing fee | $0 year 1, then $6.25 to $10.25/mo | None |
| Purchase APR | 35.99% | 29.74% variable |
| Credit limit increase fee | 25% of each increase | None |
| Rewards | 1% on payments, select-merchant offers | None |
| Reports to credit bureaus monthly | Yes | Yes |
Source: Revvi terms and conditions, revvi.com (MRV Banks). Pulled July 25, 2026.
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Get the AppFrequently Asked Questions
Is the Revvi card good?
Only as a last resort. Revvi approves challenged credit without a deposit and reports monthly to the credit bureaus, but the cost stack is severe: a $95 program fee before opening, $50 to $125 annual fee in year one then $48, monthly servicing fees of $6.25 to $10.25 from year two, 35.99% APR, and a 25% fee on credit limit increases. The 1% payment rewards do not move that math.
What is the annual fee on the Revvi card?
It scales with your limit, per Revvi's terms: $50 the first year at a $200 limit, $75 at $300, $100 at $400, and $125 at $500, then $48 every year after. A monthly servicing fee of $6.25 to $10.25 per month also starts after the first year. Add the one-time $95 program fee and a $300-limit first year costs $170.
Does Revvi report to the credit bureaus?
Yes, Revvi reports monthly to the credit bureaus, and the card includes free TransUnion credit monitoring. The reporting is real, which is why the card technically works as a rebuilder despite the fee load.
Who issues the Revvi card?
MRV Banks, a Missouri-chartered bank, issues the Revvi Visa under a Visa USA license. The card's fee schedule is essentially identical to the Total Visa, issued by The Bank of Missouri, and the two are best understood as twin programs.
How do Revvi rewards work?
You earn 1% cash back on payments you make toward your Revvi balance, plus rotating offers of up to 10% at select merchants through the rewards program. The 1%-on-payments design means paying a $500 balance earns $5. Useful, but against $170 of first-year fees it is decoration, not a reason to apply.
Is there a fee to increase my Revvi credit limit?
Yes. After your account has been open at least a year, each approved credit limit increase is charged 25% of the increase amount. A $100 increase triggers an automatic $25 fee, so you net $75 of new available credit.
