RevPoints vs Amex: which earns more after fees?
Amex cards usually earn more points per pound than the lower Revolut plans. The fair comparison is to give both currencies the same value, then subtract the plan and card fees you actually pay.
On base everyday spend, Revolut Ultra matches a 1-point-per-£1 Amex; it does not out-earn it. Revolut Metal earns half as many base points. Benefits, foreign spending, welcome offers and borrowing costs can change the wider decision, so the calculator below deliberately keeps those separate.
- Revolut base range
- 0.1–1 point per £1
- Selected Amex base range
- 1–1.5 points per £1
- Valuation rule
- One shared editable rate
Compare points after annual fees
Choose a Revolut plan and a named UK Amex card. This model uses eligible UK everyday spend and the same Avios-equivalent value for both reward currencies.
Spend that qualifies for each programme's base earning rate.
Enter a monthly amount from £0 to £1,000,000.
Pence per point. It is editable and applied equally to both sides.
Enter a value from 0p to 10p per point.
| Measure | Revolut Metal | Amex Gold |
|---|---|---|
| Reward currency | RevPoints | Membership Rewards |
| Earn rule used | 1 point per £2 | 1 point per £1 + current annual-spend bonus |
| Estimated annual points | ||
| Annual plan or card fee | ||
| Modelled points value | ||
| Points value after fee |
On £12,000 eligible annual spend, Amex Gold is £250 ahead in this points-only first-year model.
The result is arithmetic, not a product recommendation. Negative numbers mean the selected annual fee is higher than the modelled points value before any other benefits are counted.
Pay in full: Amex products here are credit cards. If you carry a balance, interest can outweigh the rewards. This calculator assumes the card balance is repaid in full and excludes interest entirely.
RevPoints and Amex are different products
The points can share an Avios baseline, but the accounts, fees and consumer decisions around them are not interchangeable.
| Question | Revolut RevPoints | American Express rewards |
|---|---|---|
| Underlying product | Rewards attached to a Revolut account plan and eligible debit-card spending. | Rewards attached to a credit card, subject to eligibility and a credit assessment. |
| Base everyday earning | From 1 point per £10 on Standard and Plus to 1 per £1 on Ultra. | 1 point per £1 on the selected Membership Rewards and free BA cards; 1.5 Avios per £1 on BA Premium Plus. |
| Avios route | Revolut publicly describes airline transfers as up to 1:1. British Airways is listed, but confirm the live ratio in-app before moving points. | Membership Rewards transfer to British Airways Club at 1:1; BA Amex cards earn Avios directly. |
| Annual product cost | From £0 to £540 using the current annual plan prices in this calculator. | From £0 to £650 for the cards in this calculator; Gold is £0 in year one and £195 thereafter. |
| Foreign spending | Exchange allowances and additional fees depend on plan and timing. | Current UK card terms generally include a 2.99% non-sterling transaction fee; check the chosen card's terms. |
| Borrowing cost | The debit-card comparison does not involve carrying a credit-card balance. | Interest may apply if the balance is not repaid in full and can exceed the value of rewards. |
Rates used in the calculator
These are current base rates and annual product prices, not introductory point offers. All spend must be eligible under the relevant programme terms.
| Product | Annual price | Base earn rate | Calculator treatment |
|---|---|---|---|
| Revolut Standard | £0 | 1 RevPoint per £10 | Base eligible spend only |
| Revolut Plus | £40 | 1 RevPoint per £10 | Annual plan price |
| Revolut Premium | £80 | 1 RevPoint per £4 | Annual plan price |
| Revolut Metal | £140 | 1 RevPoint per £2 | Annual plan price |
| Revolut Ultra | £540 | 1 RevPoint per £1 | Annual plan price |
| Amex Rewards Credit Card | £0 | 1 Membership Rewards point per £1 | Base eligible spend only |
| Amex Preferred Rewards Gold | £0 first year; £195 ongoing | 1 Membership Rewards point per £1 | Adds 5,000 points at £10,000 annual spend and another 5,000 at £20,000 |
| Amex Platinum | £650 | 1 Membership Rewards point per £1 | Base eligible spend only |
| British Airways Amex | £0 | 1 Avios per £1 | Base eligible spend only |
| BA Amex Premium Plus | £300 | 1.5 Avios per £1 | BA and BA Holidays bonus earning excluded |
Gold category multipliers, BA and BA Holidays bonuses, Companion Vouchers, referral awards and welcome offers are excluded because the single spend input cannot model them fairly.
Need an exact card-to-plan answer?
The broad model above compares earning economics. These focused guides cover the travel benefits and trade-offs that belong to a specific pair.
How this comparison stays fair
A shared valuation exposes the earning-rate and fee difference without pretending that either reward currency has a guaranteed cash value.
What the calculator counts
- Eligible UK everyday spend over 12 months
- Published base earning rates
- The current Gold annual-spend bonus
- Current annual plan and card prices
- One editable pence-per-point rate for both sides
What it deliberately leaves out
- Welcome, referral and limited-time offers
- Foreign spending fees and category multipliers
- Lounges, insurance, subscriptions and statement credits
- Companion Vouchers and other threshold benefits
- Interest, missed-payment costs and individual eligibility
RevPoints vs Amex questions
Is Revolut or Amex better for earning points?
On eligible everyday spend, the selected Amex cards earn at least 1 point per £1, while Revolut ranges from 1 RevPoint per £10 to 1 per £1 by plan. Ultra therefore matches a 1-point-per-£1 Amex base rate, while lower Revolut plans earn more slowly. Fees and benefits still need to be compared separately.
Can both RevPoints and Amex points become Avios?
Yes. British Airways is a listed Revolut airline partner, while Membership Rewards transfers to British Airways Club at 1:1 and British Airways Amex cards earn Avios directly. Revolut currently describes airline transfers as up to 1:1, so confirm the live ratio in-app before transferring.
Can I use Revolut and Amex together?
Yes. They are different products, and some people use Amex for eligible credit-card spending while keeping Revolut for account features or transactions where they prefer a debit card. Whether that is worthwhile depends on fees, acceptance, foreign spending and the benefits you actually use.
Is a Revolut plan the same type of product as an Amex card?
No. This page compares rewards attached to a Revolut account plan and debit-card spending with rewards attached to American Express credit cards. Credit-card eligibility, borrowing, interest and protections are separate considerations.
Does the calculator include travel and plan benefits?
No. It shows a deliberately narrow points-only result after the selected annual fees. It excludes lounges, insurance, subscriptions, statement credits, foreign spending, Companion Vouchers and other benefits whose value depends on personal use.
Methodology and official sources
- Revolut UK: Compare plans
- Revolut Help: Plus plan
- Revolut Help: Premium plan
- Revolut Help: Metal plan
- Revolut Help: Ultra plan
- Revolut UK: RevPoints terms
- American Express UK: Compare personal cards
- Amex Gold: Membership Rewards and spend bonus
- Amex Platinum: Membership Rewards
- British Airways Amex: Avios earning
- BA Amex Premium Plus: Avios earning
- Amex Membership Rewards: British Airways Club transfer