Overview
Revolv is designed to help you build revolving credit without using a credit card.
Revolv comes in three plans, Basic, Plus, and Pro, each with different credit limits and subscription benefits.
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 does not allow purchases. It is designed specifically to help build and manage credit.
Plans & Benefits
| Revolv Basic | Revolv Plus | Revolv Pro |
| Monthly or Annual Subscription | Monthly or Annual Subscription | Annual Subscription only |
| $1,000 to $2,500 Credit Limit reported | $2,500 to $5,000 Credit Limit reported | $5,000 to $10,000 Credit Limit reported |
| $10 minimum payment to unlock limit increases | $20 minimum payment to unlock limit increases | $25 minimum payment to unlock limit increases |
| Monthly FICO 8 Score | Monthly FICO 8 Score Experian Score Factors Quarterly Experian Credit Report | Monthly FICO 8 Score Experian Score Factors Monthly Experian Credit Report Experian ID Monitoring & Protection Services |
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
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!
About monthly savings plans
It’s often recommended to show some usage on revolving accounts, but spending can be difficult to manage.
Instead of making purchases, Revolv can only be used to make advances to the linked savings account. Each advance creates a balance to pay, adding usage and payment history while saving money rather than spending it.
Keep in mind: A monthly savings plan creates a balance to pay on your credit line. Failing to pay this balance on time may negatively affect your credit.
Monthly Savings plans are separate from your Revolv Subscription. Customers with Monthly Subscription plans may expect to have two independent monthly payments on their Revolv account.
All advances from Revolv to the linked savings account are interest‑free.
Why choose Revolv?
Revolv is our alternative to a secured credit card.
Secured credit cards usually require a cash deposit equal to the credit limit and may charge interest. Revolv Basic reports a $1,000 line of credit to your profile for $15 per month or $99 per year, without requiring a $1,000 deposit.
Revolv credit lines cannot be used for purchases and are designed solely for credit‑building purposes.
Subscription renewals
Depending on your Revolv plan, subscriptions can be billed monthly or annually. Subscriptions are automatically billed on their due date 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 three payment attempts and 30 days from the billing date to complete the renewal before the account is closed.
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.
If you’re unsure what to do, our Support Team is always available to help you review your options!