Overview
Revolv is designed to help you build revolving credit without using a credit card.
A variety of subscription options are available, meaning there's a Revolv plan for almost any need and budget.
Revolv users can also choose to set up an optional Monthly Savings Plan. This adds additional monthly payments to the line, strengthens the credit‑building impact, and allows you to become eligible for credit limit increases.
What is Revolv?
Revolv is a subscription which includes a secured line of credit designed to help lower your credit utilization, without the large upfront deposit or ongoing interest typically associated with secured credit cards.
Instead of charging interest on purchases, Revolv uses a simple subscription model. Additional monthly payments are optional and, when used, help you build savings while adding activity to your revolving credit line.
Revolv is designed to help build your credit and cannot be used for outside purchases.
Plans & Benefits
Revolv is available in two tiers; Revolv and Revolv Pro.
| Plan Name | Starter | Plus | Max |
| Billing Options |
Monthly or Annual Subscription $15/month OR $99/year |
Monthly or Annual Subscription $25/month OR $199/year |
Monthly or Annual Subscription $30/month OR $249/year |
| Reported Credit Line | $1,000 Revolving Credit Limit reported | $2,500 Revolving Credit Limit reported | $3,500 Revolving Credit Limit reported |
| Subscription Benefits | Monthly FICO 8 Score |
Monthly FICO 8 Score Experian Score Factors Quarterly Experian Credit Report |
Everything in Revolv Plus Monthly Experian Credit Report |
| Plan Name | Pro | Pro Plus | Pro Max |
| Billing Options |
Monthly or Annual Subscription $40/month OR $299/year |
Annual Subscription only $349/year |
Annual Subscription only $399/year |
| Reported Credit Line | $5,000 Revolving Credit Limit reported | $7,500 Revolving Credit Limit reported | $10,000 Revolving Credit Limit Reported |
| Subscription Benefits |
Everything in Revolv Max Experian Credit Monitoring |
Everything in Revolv Pro Experian Identity Monitoring |
Everything in Pro Plus $1M Identity Theft Protection |
Which plan is right for me?
Every credit profile is different, and results can vary from person to person.
When choosing a plan, consider:
- Your budget
- How much revolving credit you want reported
- Which credit monitoring tools are most helpful to you
How each Revolv plan could help you depends on your credit profile, but the best plan is the one you can comfortably maintain over time!
How Revolv works
Without monthly savings payments
About 15 days after your initial subscription payment is successfully made, a revolving line of credit is reported to all three credit bureaus.
This increases your total available credit, which can lower your credit utilization. Credit utilization accounts for a significant portion of your FICO® Score 8 and keeping it low is an important part of maintaining healthy credit.
As a general guideline, keeping utilization below 30% is considered healthier.
Example: If you have a credit card with a $500 limit and a $400 balance, your utilization is 80%. If you open a Revolv Plus account, an additional $2,500 in credit is reported. Your total available credit becomes $3,000, and that same $400 balance now represents about 13% utilization.
With monthly savings payments
You can choose to use Revolv only for its credit line benefits, or you can set up an optional Monthly Savings Plan.
When a savings plan is active:
- Choose how much you'd like to pay monthly
- The selected amount is advanced from your Revolv credit line
- Funds are deposited into the linked savings account
- A balance appears on your credit line, creating a monthly payment
This allows you to add usage and payment activity without making purchases.
After three consecutive on‑time payments at the minimum amount for your plan, your credit line becomes eligible for an increase!
Why choose Revolv?
Often considered the starting point for building your credit, Secured Credit Cards usually require a cash deposit equal to the credit limit you get, and many charge interest on purchases. We thought there should be a better way, so we created Revolv.
Revolv Starter reports a $1,000 line of credit to your profile for $15 per month or $99 per year, without requiring a $1,000 deposit, stretching your cash further!
Subscription renewals
Depending on your Revolv plan, subscriptions can be billed monthly or annually. Subscriptions are automatically renewed until the subscription is cancelled.
- You will receive an email notice before your renewal date
- You may pay the renewal early through your customer portal
- If not paid early, the subscription fee will be charged automatically on the due date
You have 30 days from the billing date to make your subscription payment or change your plan before the account is closed.
Changing your Revolv Subscription
Revolv subscriptions are designed for flexibility, meaning your Revolv account can follow you and you can keep building as your needs and budget change over time.
Read about changing your Revolv subscription here.
Closing your Revolv account
You may close your Revolv account at any time, with no early‑closure fees or penalties.
You can close your account through the FAQ section of the account page in your customer portal, or by contacting our Support Team.
Before closing, keep in mind:
- Annual subscriptions cover a full year! Even with monthly payments set to $0, you may still benefit from keeping the account open
- Closures are permanent. Closing the account reduces your available credit and may increase utilization, which can impact your credit
- If you’re having trouble making a payment, but you've been contributing to your savings account with a monthly savings plan, check the Withdraw Funds option in your portal – You may be eligible to withdraw from your savings account, and you can set your monthly Savings Plan down to $0/month if you want to take a break from the extra payments!
If you’re unsure what to do, our Support Team is always available to help you review your options!