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Getting an unsecured credit card with a low credit score can be a hassle, but it’s not impossible. In this Revvi card review, we’ll show you an easy-to-get product that can help you improve your score while rewarding you with cash back for timely payments.

You’ll learn all the main features, the good and the bad, that comes with having a Revvi card so you can decide if this is the product you’re looking for. So, read on to learn everything there is about this credit card. 

MRV Bank issues this card and provides international Visa coverage for its cardholders. Revvi is well-known for being one of the most accessible credit cards, even with a low credit score. Like most subprime products, the card comes with specific fees that might seem a little steep.

Its annual fee is $75 for the first year of card membership, then $48 after the second year. It requires an $89 activation fee and has a fixed APR of 34.99% for purchases. Revvi doesn’t have a monthly fee in its first year, but for every year after that, there’s a $6.25 charge if you decide to keep the card.

The starting credit limit is $300, but the annual fee is deducted from it in its first month, leaving you with a $225 limit until you pay off the charge. To request the card, you must have a FICO score of at least 550 and meet other criteria like no tax liens or recent derogatory items.

The Revvi card is one of the few products designed for people with bad credit that provides a cash back reward. You can earn up to 1% on all credit card payments and redeem them after 6 months of card use. The redemption options are statement credits in 500 points or $5.

The Revvi card is a great product for anyone with a credit score in the mid 500’s to improve their rating. It has a cash back program and reports all payments to credit bureaus to help you repair any damage. However, it also has its disadvantages. See below in our Revvi card review to learn what they are.

You need to have a FICO score of at least 550 to qualify for this card. There are also other requirements for approval, such as no tax liens and no recent derogatory items. You’ll also need to show proof of on-time payments for at least one year prior to your request. 

The Revvi Card issued by MRV Bank is a product made to help customers with a low credit score strengthen their rating. It has international Visa coverage and a fast application process with an outstanding approval rate for those with a FICO score in the mid 500’s.

Revvi charges an annual fee of $75 during its first year, but drops the charge to an eloquent $48 every year after that. It has a high fixed APR of 34.99% for purchases and a $6.25 monthly fee after the second year of card membership. You’ll also need to pay an $89 activation fee if you want to use it. 

This card has a cash back program that allows all cardholders a 1% return on all card payments after 6 months. You can redeem the earned points in statement credits of $5. The starting credit limit is $225 because the annual fee of its first year is deducted as soon as MRV issues the card. 

Read on to learn about the application process and how easy it is to get your own Revvi card!

Applying for a Revvi card online is a quick and easy process. First, you need to access the Revi Card Now website and scroll down for the application form. The company requires you to fill out two information pages in its 4 steps.

You must tell them all your info and your phone number and home/e-mail address on the first page. Then, check all the boxes asking if you have a checking account, are a U.S. resident, and consent to their Terms & Agreement. 

The next page requires you to fill in your social security number and employment information. You’ll need to inform Revvi about your income and your monthly expenses as well. 

The third page asks you to confirm all information provided and choose a credit card design. You can choose to receive statements via e-mail or send them to your address and agree to their terms once more. The profile analysis is fast, and you should know within seconds if you get approved. 

After approval, you will have to pay a one-time activation fee of $89 to use the card. 

Revvi is one of the few credit cards for customers with bad credit with a mobile application. You can manage your account, pay your credit card bills, and much more with it. However, you cannot apply for a new card in it. All new applications must be made via Revvi’s official website. 

If you don’t think the Revvi card has what it takes to fit in your wallet, no problem! We have another option ready for you. Meet the Oakstone Gold Secured Mastercard. This product offers a great opportunity for people to rebuild their credit scores. 

So if you need help getting your finances back on track, check the comparison below and follow the recommended link for the application process!