Revvi
Revvi is a private-label U.S. credit card program for underserved consumers with imperfect credit, offering credit lines up to $500, monthly reporting to all three major credit bureaus, and a cash back rewards program. The card is issued by MRV Banks under a Visa license and operates under parent company Vervent.
- Company typePrivate
- Founded-
- HeadquartersSioux Falls, United States
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Revvi does
Revvi is a private-label credit card program that targets U.S. consumers with limited or damaged credit history who have difficulty qualifying for traditional credit products. The flagship Revvi Card offers credit lines up to $500 and is designed as a credit-building tool, with monthly reporting to all three major credit bureaus (TransUnion, Experian, and Equifax) and free credit monitoring powered by TransUnion. The card is issued by MRV Banks under a Visa U.S.A. Inc. license, and Revvi operates as a brand under parent company Vervent.
The product surface is anchored by a direct-to-consumer online application (revvi.com), a mobile app for iOS and Android, a customer self-service portal at myccpay.com, and a benefits portal at discover.revvi.com. A rewards program offers 1% cash back on payments and up to 10% at select merchants, with redemption enabled after six months of account activity. The company acquires customers through its website, mobile app, social media presence, email and SMS communications, and direct mail pre-approved offers, supplemented by marketing partners Progress Credit and Infusion Strategies.
Revvi's revenue model combines a one-time $95 program fee at account opening with ongoing interchange and transaction fees, interest income on carried balances, and merchant-funded rewards economics. The business is U.S.-only and is headquartered in Sioux Falls, South Dakota, operating with a 501–1000 employee footprint under Vervent's umbrella. No public revenue, funding, or growth metrics are disclosed in the source material.
Revvi firmographics
Firmographics- Name
- Revvi
- Legal name
- Vervent
- Website
- https://revvi.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Revvi is a private-label U.S. credit card program for underserved consumers with imperfect credit, offering credit lines up to $500, monthly reporting to all three major credit bureaus, and a cash back rewards program. The card is issued by MRV Banks under a Visa license and operates under parent company Vervent.
- Ownership category
- akta.pro rank
Revvi industry classification
Industry- Product category
- Consumer Credit Cards (Credit-Builder)
- NAICS
- Credit Card Issuing (522210)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Subprime / Credit-Building Credit Cards (FSAKABAJ)
- akta.pro secondary industry
- Rewards & Loyalty Credit Cards (FSAKABAH)
Keywords
Where Revvi is headquartered
LocationHeadquarters
- HQ city
- Sioux Falls
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Revvi business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Marketing or Sales, Technology or R&D, Personnel, Supply Chain
Revenue model
- Program Fee: One-time $95 program fee charged to open a new account
- Card Transaction Fees: Interchange and transaction fees from card usage
- Interest Income: Interest charges on outstanding card balances
- Cash Back Rewards Redemption: Rewards redemption offset by merchant commissions from participating retailers where cash back is earned
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Revvi Credit Card - Single Tier |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Revvi product offering
Product offeringCore offering
Revvi issues a credit-builder credit card (the Revvi Card) with credit lines up to $500 for U.S. consumers with imperfect or limited credit history. Cardholders pay a one-time $95 program fee and the card reports payment activity monthly to TransUnion, Experian, and Equifax to help build credit, supplemented by a free TransUnion-powered credit monitoring service and a mobile app for account management. Revvi also runs a rewards program that pays 1% cash back on card payments and up to 10% cash back at participating merchants, redeemable as statement credit after six months of account activity.
Product overview
Revvi is a single-product credit card company offering the Revvi Card as its core product, which is designed for underserved consumers with imperfect credit. The card provides credit lines up to $500 and is supplemented by a mobile app for iOS and Android, the Revvi Rewards Program (offering up to 10% cash back on purchases and 1% on payments), monthly credit bureau reporting (TransUnion, Experian, Equifax), free TransUnion credit monitoring, and a customer portal (Myccpay.com) for account management. The Revvi Card is issued by MRV Banks pursuant to a Visa license.
Differentiator
Problem solved
Functional benefit
Brands
- Revvi Card: Credit card designed for underserved consumers with imperfect credit, featuring cash back rewards and credit-building tools.
Products and services
- Revvi Card
Quantifiable outcome
- Cardholders who keep balances low and pay on time typically see credit score increases
Companies that use Revvi
Customer profileSegments1 record
Ideal customer profiles1 record
Revvi technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
Revvi partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Visa U.S.A. Inc.coreVisa provides the payment network license for the Revvi credit card, enabling cardholders to use the card at merchants worldwide that accept Visa.
- TransUnioncoreTransUnion provides credit bureau reporting services for monthly updates to cardholders' credit histories, and powers the free credit monitoring feature offered to Revvi cardholders.
- VerventcoreVervent is the parent company operating as Revvi, providing the overall business operations, digital platform, and customer service infrastructure for the Revvi credit card program.
- Progress CreditminorMarketing partner that sends promotional communications to potential customers about Revvi products and services.
- Infusion StrategiesminorMarketing partner (also known as iCommissions) that sends promotional communications and may receive referral commissions for customer acquisitions.
- Apple App StorecoreDistribution channel for the Revvi mobile app on iOS devices, allowing cardholders to download and access their accounts.
- Google PlaycoreDistribution channel for the Revvi mobile app on Android devices, allowing cardholders to download and access their accounts.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Revvi competitors and assessment
Company assessmentDirect peers
- Credit One Bank: Credit One Bank is one of the largest issuers of Visa and Mastercard-branded credit cards explicitly targeted at consumers with non-prime credit. Its product lineup — unsecured credit cards with cash-back rewards, free credit-score access, and bureau reporting — directly overlaps with Revvi's positioning, serving the same underserved segment with similar fee and credit-limit structures.
- OpenSky (Capital Bank): OpenSky, a division of Capital Bank, issues secured and unsecured credit cards for people with no credit or bad credit, reporting to all three major bureaus. It targets the exact same credit-building consumer as Revvi, with a comparable low credit-limit starting product and bureau-reporting value proposition.
- Mission Lane: Mission Lane issues Visa credit cards to people with less-than-perfect credit, with free credit-score access and bureau reporting. It competes head-to-head with Revvi in the unsecured credit-building card category, with similar target customers, fee structures, and digital-first servicing.
- Milestone Gold Card (Concora Credit): Milestone Gold, issued by Concora Credit (formerly Genesis FS Card Services), is a long-standing subprime unsecured credit card with annual fees, bureau reporting, and credit-score access. It serves the same imperfect-credit segment as Revvi through a similar direct-mail and digital acquisition motion.
- Indigo Card (Concora Credit): Indigo Platinum Mastercard, also issued by Concora Credit, targets consumers with poor credit and offers pre-qualification without hard inquiry and bureau reporting. It is one of the most established direct peers to Revvi in the subprime credit-card niche with comparable upfront-fee economics.
- Surge Mastercard (Celtic Bank): Surge Mastercard, issued by Celtic Bank, is a credit-building card targeted at consumers with poor or limited credit, with starting credit limits similar to Revvi's $500 cap. It competes directly on bureau reporting, credit education, and digital account management.
- Petal (WebBank): Petal, issued by WebBank, is a cash-back credit card designed for people new to credit or with limited credit history, using cash-flow underwriting alongside traditional credit data. It targets an overlapping audience to Revvi with a more modern, fee-free product design.
Broad incumbents
- Discover it Secured: Discover it Secured is a secured credit card from Discover aimed at consumers building credit, reporting monthly to all three bureaus and offering automatic graduation reviews. While Discover is a much broader incumbent, the secured card product directly competes with Revvi in the credit-building niche with a more recognizable brand and cash-back rewards.
- Capital One QuicksilverOne: Capital One QuicksilverOne is an unsecured credit card for consumers with average credit, offering 1.5% cash back and bureau reporting. As part of Capital One's broader card portfolio, it competes with Revvi for graduates from the subprime segment who are ready to step up to a mainstream rewards card.
Emerging players
- Self (credit builder): Self offers credit-builder loans and a secured credit card targeted at the same credit-building segment as Revvi, with bureau reporting and a graduation pathway. While its primary product is an installment loan rather than a revolving card, it competes for the same underserved consumer and represents an adjacent model in the credit-building category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Revvi social profiles
Digital presenceRevvi compliance and trust
Trust signalCompliance1 record
Revvi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Revvi leadership team
Management profileNumber of profiles
Revvi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Revvi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Revvi
What does Revvi do?
Revvi issues a credit-builder credit card (the Revvi Card) with credit lines up to $500 for U.S. consumers with imperfect or limited credit history. Cardholders pay a one-time $95 program fee and the card reports payment activity monthly to TransUnion, Experian, and Equifax to help build credit, supplemented by a free TransUnion-powered credit monitoring service and a mobile app for account management. Revvi also runs a rewards program that pays 1% cash back on card payments and up to 10% cash back at participating merchants, redeemable as statement credit after six months of account activity.
Is Revvi a public or private company?
Revvi is a private company. It is classified as corporate owned and is currently operating.
When was Revvi founded?
Revvi was founded in -1. It employs 501 to 1,000 people.
Where is Revvi based?
Revvi is headquartered in Sioux Falls, United States, in the North America region.
How does Revvi make money?
Four revenue lines are on record. Program Fee is the primary driver. The others are card Transaction Fees, interest Income and cash Back Rewards Redemption.
Who are Revvi's main competitors?
Direct peers on record are Credit One Bank, OpenSky (Capital Bank), Mission Lane, Milestone Gold Card (Concora Credit), Indigo Card (Concora Credit), Surge Mastercard (Celtic Bank) and Petal (WebBank). Broad incumbents are Discover it Secured and Capital One QuicksilverOne. Self (credit builder) is listed as an emerging player.
Does Revvi have an API?
No public API is recorded for Revvi.
What industry is Revvi in?
Revvi's product category is Consumer Credit Cards (Credit-Builder). Its primary akta.pro industry code is FSAKABAJ, Subprime / Credit-Building Credit Cards, with a secondary code of FSAKABAH, Rewards & Loyalty Credit Cards. Its NAICS code is 522210 and its SIC code is 6141.