Your Revolut subscription level directly determines earning velocity. Monthly spending of €/£400 generates vastly different returns across tiers:

And don’t forget that beyond earning rates, plan upgrades deliver immediate bonus injections: 1,500 points for Plus, 2,500 for Premium, 5,000 for Metal, and 10,000 for Ultra (when spending £2,000+ within three months). These signup bonuses alone can offset months of subscription costs.

The simplest acceleration strategy requires zero additional spending — just routing existing expenses through your Revolut card instead of alternatives.

Review your monthly outflows: groceries, fuel, dining, subscriptions, utilities (where eligible), insurance premiums, and online purchases. Every transaction currently hitting other payment methods represents missed earning opportunities. Redirect these to Revolut, and your monthly point accumulation multiplies without increasing actual expenditure.

A typical household managing €/£1,500 in monthly eligible spending through a Metal plan generates 750 points monthly — 9,000 annually. That's sufficient for a short-haul roundtrip flight in miles or substantial hotel discounts, earned simply by consolidating payment methods.

New users receive 3,000 RevPoints after completing 150 eligible transactions. This welcome bonus alone equals 3,000 airline miles or up to €/£60 in travel discounts.

Reaching 150 transactions sounds daunting but accumulates naturally over 2-3 months for average users. Every grocery run, fuel fill-up, subscription payment, and online purchase counts toward the threshold. Simply using Revolut as your primary payment method triggers the bonus automatically.

Spare Change transforms transaction remnants into meaningful balances through automated round-ups. Every purchase rounds to the nearest pound, with the difference converted to points at 50 points per €/£1.

The multiplier feature dramatically amplifies accumulation. Standard x1 rounds up modestly; x5 or x10 accelerates point generation substantially. Higher multipliers require larger cash contributions, but for users comfortable with automated savings mechanisms, aggressive multipliers build balances rapidly.

Someone making 50 monthly transactions averaging £0.50 round-ups sees:

Standard card spending delivers baseline returns. Partner retailers operating through Revolut's platform offer dramatically accelerated rates up to 20 points per €/£2 spent — a 10x multiplier on Standard plans. Fashion retailers, electronics vendors, and lifestyle brands regularly offer 5x boosts.

If your intended merchant appears with bonus earning rates, routing the transaction through Revolut's platform rather than directly can multiply returns without additional cost. This strategy works particularly well for planned big-ticket purchases where you'd buy anyway — simply channel the transaction through the highest-earning available path.

Hotel bookings through Revolut Stays automatically earn 2x the standard rate. Someone on a Metal plan booking €/£200 accommodation earns 200 points (versus 100 through normal card spending).

With over 3.6 million properties across 200+ locations, Revolut Stays competes directly with booking platforms you're likely using anyway. Before confirming reservations elsewhere, compare Revolut Stays pricing. If rates match competitors and you're already accumulating RevPoints, the 2x earning bonus provides tangible additional value at zero extra cost.

Set realistic expectations about RevPoints earning potential. Accumulating 50,000-100,000+ points annually — sufficient for multiple international flights or substantial hotel stays — is achievable, but demands consistent high-volume spending. Someone generating these balances typically maintains
€/£3,000-5,000+ monthly eligible transactions.

RevPoints function best as a multiplier for existing spending patterns rather than a budget optimization tool. The program rewards active spenders consolidating existing expenditure through Revolut, not individuals stretching budgets to chase points.

Calculate your realistic monthly spending across all eligible categories, multiply by your plan's earning rate, then project annual accumulation. Compare this figure against redemption targets you'd actually use. If the mathematics don't align with meaningful rewards within reasonable timeframes, RevPoints may deliver modest supplementary value rather than transformative returns — and that's a perfectly valid outcome.