Which Revolut Plan Earns Most RevPoints?

The best Revolut plan for RevPoints isn't the most expensive one — it's the one that delivers optimal value given your actual spending behaviour. Upgrading to Ultra doesn't guarantee better value if your monthly spending sits at £/€1,500. The mathematics tell a more nuanced story.

Highest earning rate: Ultra (1 point per £/€1)
Best ROI for most users: Metal (1 point per £/€2)
Sweet spot tier: Premium for moderate spenders
Reality check: Break-even varies dramatically by spending level — see details below

Earning Rates: The Complete Breakdown

Earning rate doubles moving from Premium to Metal, while monthly cost increases only £/€7. This creates Metal's unusually strong value proposition for active spenders. Ultra's rate doubles again but costs £/€40 more monthly — requiring substantially higher spending to justify.

Standard and Plus share identical earning rates despite Plus's £/€3.99 cost, making Plus difficult to justify purely on RevPoints grounds without valuing its other features.

How to earn more RevPoints

The Break-Even Reality

This table below shows how much you need to spend each month for a particular Revolut plan to offset its cost purely through RevPoints earnings.

The logic is that the Premium plan costs £/€7.99/month and allows you to earn 1 point per £/€4 spent, and each point is worth £/€0.01 on average. To earn back £/€7.99 in points, you need 799 points, which requires: 799 × £/€4 = £/€3,196 in monthly spending.

Here's how this looks across other Revolut plans:

Metal presents a curious mathematical advantage: despite costing nearly double Premium, it requires less monthly spending to break even due to the doubled earning rate. Someone spending £/€3,000 monthly breaks even on Metal but falls short on Premium.

Ultra's economics prove challenging. Requiring £/€5,500 monthly spending just to offset the subscription through points alone, it targets a narrow user segment with genuinely high transaction volumes.

But break-even thinking misses crucial context. You're not purchasing these plans solely for RevPoints. The question isn't whether points alone justify cost — it's whether the plan's complete value proposition exceeds the subscription price given your usage patterns.

Beyond the RevPoints Numbers

RevPoints earning represents only one component of plan value. Premium, Metal, and Ultra include features that deliver independent value worth considering in total calculation:

Airport lounge access (worth £/€25-35 per visit)
Comprehensive travel insurance (worth £/€50-100 annually)
Partner subscriptions
Superior foreign exchange rates (saves 0.5-1% on international spending)
Priority customer support
Higher ATM withdrawal limits
Additional cards and features

If you travel internationally three times a year and use lounge access (£/€105 value) plus save £/€50 on travel insurance plus earn 6,000 RevPoints (£/€60-150 value), Metal's £/€180 annual cost finds justification before considering any other features.

Conversely, if you never travel and rarely use the card internationally, those premium features deliver zero value to you personally. In that scenario, RevPoints earning must justify the subscription independently — substantially raising the break-even threshold.

Are RevPoints really worth it?

Common Decision Points

"I spend £/€1,200 monthly. Worth upgrading from Standard to Premium?"

Yes, likely. You'd earn 3,600 annual points versus 1,440 on Standard. Combined with Premium's travel insurance and better FX rates, this probably crosses into positive territory if you travel occasionally. Run the numbers on your actual international spending and insurance needs.

"I'm on Metal spending £/€1,500 monthly. Should I upgrade to Ultra?"

Probably not. You'd earn 18,000 annual points versus 9,000 currently, but Ultra costs £/€480 more annually. That requires the additional 9,000 points to deliver £/€480+ value — achievable only through optimal airline mile redemptions and substantial additional benefit usage. Metal likely remains your sweet spot unless spending increases to £/€4,000+ monthly.

How to convert RevPoints to airline miles

"My spending decreased from £/€3,000 to £/€1,000 monthly. Still keep Metal?"

Consider downgrading to Premium. At £/€1,000 monthly, Metal earns 6,000 annual points (£/€60-150 value) but costs £/€180 yearly. Premium earns 3,000 points (£/€30-75 value) and costs £/€96 annually. The £/€84 saving through downgrade might exceed your point value loss unless you're heavily utilizing Metal's lounge access and other premium features.

"Should I choose Plus over Standard?"

Rarely justifiable on RevPoints alone given identical earning rates. Plus makes sense only if you specifically need its other features (additional virtual cards, priority in-app chat with support, etc.). For RevPoints purposes, Standard and Plus remain functionally equivalent.

How to collect, use, and maximize rewards with Revolut

Decision Framework

Step 1: Calculate realistic monthly eligible spending

Include groceries, dining, shopping, subscriptions, fuel, and online purchases. Exclude rent (often ineligible), utilities (frequently excluded), cash withdrawals, and any spending on non-Revolut cards you won't consolidate.

What counts as an eligible transaction

Step 2: Project annual RevPoints earning by plan

Calculate points based on each tier's rate using our RevPoints Calculator. Convert to approximate value using average £/€0.01 per point depending on your primary redemption strategy.

Step 3: Value other plan benefits you'll genuinely use

Check all perks and benefits each particular Revolut plan offers. But be ruthlessly honest about actual usage versus theoretical usage.

Step 4: Choose where Total Benefits Value exceeds Annual Cost

The plan that delivers positive net value wins. This might not be the highest-earning tier — it's the tier offering best value given your specific patterns.

Pro tip

Never upgrade purely for RevPoints unless spending exceeds break-even by 50%+ and you have concrete redemption plans.