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

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.

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.

Calculate your points and benefits

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.

Official plan check

Compare Revolut Metal

Metal had the lowest points-only break-even in the central 1p scenario above. Check the current fee and included benefits on Revolut before deciding.

See Metal and the other plans on Revolut

Is a paid Revolut plan worth it for RevPoints?

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.

PlanReward value/yrFee/yrNet/yr

Illustrative: plan fees are approximate — check current Revolut pricing. Reward value assumes you redeem points at the value you entered (airline transfers are typically 1 to 2p). Paid plans also include perks beyond points, such as fee-free currency exchange, insurance and lounge access, which are not counted here. Not financial advice.