Revolut
Global fintech card in 50+ countries. No FX fees, in-app crypto buy/sell, disposable virtual cards, and split bills. Standard tier is free; Premium and Metal unlock higher ATM limits, travel insurance and enhanced crypto features.
Is the Revolut worth it?
The Revolut is a debit card on Visa/Mastercard, paying up to 0-1% back on spend. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 0-1% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- a fixed cost is a dealbreaker — the annual fee is Free (Standard tier)
How we rate the Revolut
- Cost25%4.0 / 5
The Standard plan is free, with no FX markup up to £1,000 a month and free ATM withdrawals up to a monthly limit. Buying crypto costs 1.49% on that plan.
- Conditions25%5.0 / 5
No stake, balance or subscription is needed to hold the card and spend from it.
- Rewards25%2.0 / 5
Card spending earns RevPoints rather than crypto cashback, and their value depends on how you redeem them, so a reliable rate cannot be quoted.
- Reliability25%4.5 / 5
A licensed bank with millions of customers and fee schedules published per country — among the most transparent providers in this comparison.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning 0-1%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 0-1%, card spending earns RevPoints on every plan. Crypto cashback is not a standard feature, paid in Fiat, crypto via app. No staking required for the base rate.
Fees you'll actually meet
ℹ️ Card spending earns RevPoints on every plan. Crypto cashback is not a standard feature.
Strengths and trade-offs
WORKS FOR YOU IF
- Available in 50+ countries
- No FX fees
- Apple Pay and Google Pay
- Free Standard tier
- Instant in-app crypto exchange
LOOK ELSEWHERE IF
- Not a crypto-native card
- 1.5% crypto conversion on Standard
- Higher features need subscription
- Custodial crypto
What sets it apart
- Disposable virtual cards for online security
- Instant spend notifications
- Split bills and global money transfers
- In-app crypto exchange
Common questions
Where can I use the Revolut?
Does the Revolut have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Revolut?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Revolut Ltd's published card terms and were verified on September 16, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
- NEWSSolid Adds a Euro Balance: No FX Fee on Euro Purchases for Wirex-Issued Cards
- NEWSTangem Pay Launches Physical Cards: Delivery Fees, Card Limits and ATM Costs
- NEWSKAST Waives Its FX Fee on 16 Latin American Currencies Until the End of 2027
- GUIDEWhy “up to 10%” usually means less — cashback caps explained
- FAQCan you book a hotel with a crypto card?
Not sure this is the one?
Put it next to two others, or answer a few questions instead.