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Which Revolut plan earns the most RevPoints?

At the UK rates and fees last checked on 8 July 2026, Ultra earned the most points per pound and Metal had the lowest points-only break-even among the paid plans.

Dates and pricing checks

Structure and links last verified 9 August 2026 · UK plan-fee inputs last verified 8 July 2026 · Recheck current pricing and benefits in the Revolut app before changing plan.

Use the 0.7p, 1p and 1.5p planning scenarios and the net-value calculator below; RevPoints do not have a fixed cash value.

Calculate your points and benefits

Is a paid Revolut plan worth it for RevPoints?

Enable JavaScript to compare plans. Controls are unavailable until it runs; the figures shown are a fixed example for Metal with £800 monthly spend, no Shops spend or bonus and a 1.5p-per-point scenario.

Other eligible card spend only. Exclude Shops spend entered separately below.

Best plan for your spend, on points alone: Standard (net £14.40/yr).

Points and value after plan fees
PlanNet/yrPoints/yrReward value/yrFee/yr
StandardBest net£14.40960£14.40£0
Plus-£33.48960£14.40£47.88
Premium-£59.882,400£36.00£95.88
Metal-£107.884,800£72.00£179.88
Ultra-£516.009,600£144.00£660

Base spending repeats for 12 months. Values exclude other plan benefits and redemption costs.

Metal: 400 base points per month; 4,800 points in year one.

Shops spend & confirmed bonuses None added

Total first-year spend through offers with the same multiplier. This amount is added once, separately from monthly spend.

Copy the “x” multiplier shown in your app. It multiplies the plan's debit-card earning rate; confirm availability for each plan.

Enter a bonus only when you meet its conditions. The bonus applies only to the plan selected below.

Metal: 4,800 points in year one.

What this model assumes

Enter your monthly spend and how much you value a RevPoint. The calculator shows each plan's yearly reward value after its fee, so you can see which one pays for itself on points alone.

Independent planning scenarios: 0.7p, 1p or 1.5p. RevPoints have no fixed cash value.

UK rates and fees checked . Current official fees.

Base points = other eligible monthly spend × the plan's points-per-pound rate. First-year points = base points × 12 + first-year Shops spend × the same plan rate × your entered multiplier + a confirmed bonus for its eligible plan. Shops spend and bonuses default to zero.

Reward value = first-year points × your entered pence per point ÷ 100. Net value = reward value − the chosen annual payment or 12 monthly plan fees. Paid plans also include perks beyond points, such as fee-free currency exchange, insurance and lounge access, which are not counted here. Transfer taxes and redemption charges are excluded. Not financial advice.

Fees and earning rates: Revolut UK plan comparison and current UK fee schedule, checked 8 July 2026. Recheck your app before upgrading. The break-even reference below uses monthly billing and excludes Shops spend and bonuses.

The earn ladder at a glance (July 2026)

Standard and Plus earn 1 point per £10 spent. Premium earns 1 point per £4. Metal earns 1 point per £2. Ultra earns 1 point per £1.

Short verdict: Ultra earns the most points outright, but for most people Metal is the value sweet spot — you need roughly £3,000 of monthly card spend for Metal's points alone to cover its fee at 1p per point, versus £5,500 for Ultra.

Price alert for EEA users: Revolut raised plan prices in at least some EEA markets in July 2026 — Portugal is confirmed at roughly +10–12% (Premium €10.39 → €11.43, Metal €16.63 → €18.70), which pushes every break-even threshold up by the same proportion. Check your market's price in-app before upgrading; you can downgrade or exit free before your market's deadline.

UK pricing can change. Plan-fee inputs on this page were last checked on 8 July 2026; recheck current pricing in the Revolut app before upgrading.

Break-even spend at three planning values

This is points-only arithmetic, not a recommendation. It uses the page's UK monthly-fee inputs last checked on 8 July 2026 and rounds the required eligible monthly spend to the nearest pound. Benefits such as insurance or subscriptions are deliberately excluded.

Eligible monthly spend required for the plan fee to equal illustrative RevPoints value
PlanEarn rate usedAt 0.7p/ptAt 1.0p/ptAt 1.5p/pt
Plus1 point per £10£5,700£3,990£2,660
Premium1 point per £4£4,566£3,196£2,131
Metal1 point per £2£4,283£2,998£1,999
Ultra1 point per £1£7,857£5,500£3,667

Formula: monthly plan fee ÷ (points earned per £1 × illustrative value per point). RevPoints have no official fixed cash value, so compare the result with your actual redemption. See the value methodology and the expiry rules.

Reward comparison

Historical examples retained from the earlier calculator. These point amounts are not verified current redemption quotes; check your live Revolut app before transferring or redeeming.

Reward comparison — historical examples
RewardRequired points
Madrid–Barcelona flight4,500
London–Paris flight9,250
Extra baggage1,000
Seat upgrade1,500
Cabin upgrade2,000
Hotel discount16,000
UK eSIM 1GB755
EU eSIM 1GB880
Worldwide eSIM 1GB1,635
Apple £5 Gift Card700
Amazon/Ryanair £10 Gift Card1,400
Amazon/Ryanair £25 Gift Card3,500
Amazon £50 Gift Card7,000
Amazon £100 Gift Card14,000
Lounge Single Entry6,000