FAQ | Frequently Asked Questions
🤓 Getting Started
What is Viva?
Viva is a financial sidekick designed to help renters build equity, earn rewards on rent payments, and boost their credit—without taking on debt.
How does Viva work?
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Join Viva – Pick the membership that fits you best (prepaid, debit, or apply for credit).
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Pay Rent & More – Use your Viva card to pay rent and everyday purchases.
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Build Equity – Every on-time rent payment helps you build savings and credit.
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Unlock Perks – Get access to FlexPay, deposit protection, and other smart financial tools.
🔑 Membership + Eligibility
Who can sign up for Viva?
Anyone who rents a home in the U.S. and wants to take control of their finances. No credit checks required for prepaid and debit options!
Is Viva a credit card?
Viva offers multiple options: a prepaid card, a debit card, and a credit-building credit card option. Choose what works best for you!
Does Viva require a credit check?
No credit check is needed for our prepaid and debit options. If you apply for our credit product, standard credit approval applies.
💸 Payments & Rewards
How do I pay my rent with Viva?
Simply use your Viva card like any other payment method—whether your landlord accepts cards or requires a workaround (we help with that!).
Do I earn cashback on rent payments?
Yes! With Viva, you can earn rewards when you pay rent and make everyday purchases.
Can Viva help me build credit?
Absolutely. Every on-time rent payment made through Viva is automatically reported to major credit bureaus, helping you strengthen your credit profile.
✨ Features & Benefits
What is FlexPay?
FlexPay gives you more control over rent payments—helping you avoid late fees or financial strain by offering flexible timing options.
Is my money safe with Viva?
Yes! We use bank-level encryption and security to protect your information, and your deposits are insured.
How is Viva different from a rewards card?
Unlike traditional rewards cards, Viva helps renters build real equity, grow savings, and improve credit—without relying on loans or traditional debt.
🫶 Support & Contact
How do I get in touch with Viva?
Reach out to us anytime at hello@join-viva.com or visit our support center in the app.
Can I cancel my membership?
Yes, you can cancel anytime—no hidden fees or long-term commitments.