Revolut Credit Cards: a guide to our rewards

In a world where we pay for everything with our credit cards — from morning coffees to holidays — why not get something back from it? Welcome to the world of credit card rewards, a way to turn your everyday spending into a chance to travel, save, and access exclusive benefits.

While many credit cards offer simple cashback, rewards programs like RevPoints go further by letting you collect points that can be redeemed on a whole range of things. If you've ever wondered how you can get more from your money, this guide is for you. We'll walk you through how Revolut Credit Card rewards work, how to maximise them, and how to choose a card that perfectly fits your lifestyle.

A credit card is a type of loan. As with any credit facility, you should consider the full financial commitment involved, including interest and fees.

Warning: if you don't make the repayments on your credit card, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement, or a Buy Now Pay Later (BNPL) agreement in the future.

The world of credit card rewards

Before we dive into the specifics of Revolut Credit Cards, it helps to understand the basics of what makes a credit card valuable. It goes beyond the ability to borrow money — it's about rewards.

What are credit card rewards?

Credit card rewards are benefits you get for using your credit card, aside from the basic function of borrowing money. They come in various forms, such as loyalty programs and insurance plans. They're designed to help you save money, get more for your spending, and enjoy added protection.

These rewards can offer significant value over time, especially if you have a card that aligns with your spending habits.

Beyond rewards: the true value of a credit card

When you choose a credit card, it’s not just about the points or miles you can earn. A truly valuable credit card offers a wider range of benefits. Some of the most valuable perks are often overlooked.

• Fraud protection: with Revolut, you can instantly freeze or unfreeze your card in-app, set spending limits, and get notifications for every transaction. This makes it easy to spot and stop suspicious activity.
• Purchase protection: our paid plans offer purchase protection. Theft or damage are covered for 12 months on eligible items on our Plus, Premium, Metal, and Ultra plans.
• Travel insurance: Premium, Metal, and Ultra plans offer travel insurance benefits, which can be a major money-saver. This can cover things like trip cancellations, lost baggage, and even emergency medical expenses.

Paid Plan Terms apply.

The fundamental role of a credit card

Before exploring the rewards and perks, it’s vital to understand the primary function of a credit card: it's a facility that allows you to borrow money up to a certain limit.

When you use your card, you're not spending your own existing money — you're creating a short-term debt that you must repay. It’s crucial to manage this debt responsibly, as failure to pay your balance in full and on time each month will incur interest charges and could negatively impact your credit file.

Used wisely, a credit card is a powerful financial tool — used incorrectly, it can lead to financial difficulty.

Revolut Credit Card rewards and benefits

Revolut offers a range of cards with different tiers of benefits. The higher your plan tier, the more valuable your rewards become.

RevPoints: understanding Revolut's Credit Card rewards

RevPoints is Revolut's loyalty program that turns your everyday spending into powerful rewards. Unlike some generic points programs, RevPoints is designed to make every purchase count towards your next adventure. With RevPoints, you can collect points on eligible spending and then redeem them for a variety of benefits, including flights with over 30 partner airlines, hotel stays, gift cards, and experiences. The more you spend, the more points you earn, allowing you to turn your payments into meaningful rewards.

Additional Credit Card rewards for travellers

For travellers, a Revolut Credit Card can unlock a world of credit card travel perks:

• No foreign transaction fees: we don't charge foreign transaction fees, which can save you a significant amount of money when you travel. Note that exchange fees and fair usage limits still apply.
• Airport lounge access: for Premium, Metal, and Ultra customers, we offer discounted or free access to airport lounges. This is one of the top Credit Card travel benefits for frequent travellers, as it makes waiting for a flight more comfortable.
• Travel insurance: our Premium, Metal, and Ultra plans offer travel insurance benefits, which can include cover for delayed flights, lost baggage, and even emergency medical expenses.
• Virtual cards: for added security when shopping online or travelling, we offer virtual Credit Cards. These can be used for one-off purchases and can be easily managed in-app.

Credit card security for your peace of mind

We place a strong emphasis on security. In addition to fraud protection, your card is equipped with security features that give you additional control. You can freeze and unfreeze your card in an instant, set spending limits, and receive real-time notifications for every transaction, making it easy to spot and stop suspicious activity. This ensures that you have complete peace of mind, whether you're at home or abroad.

How to find the best rewards credit card for you

Finding a credit card that gives the best credit card rewards depends on your financial habits and goals. The best card for one person might not be the best for another. Here's what to look for when choosing a credit card:

• Reward system: look for a credit card that offers rewards in areas where you spend the most. If you spend a lot on travel, a card with higher earning rates for flights and hotels would be a good fit. With a Revolut Credit Card, you gain RevPoints when using your card for a wide range of purchases.
• Annual fees: a card with a high annual fee might not seem worth it, but if the value of the rewards and benefits you receive outweighs the fee, it could still be a good deal. Discover and compare our different plans before applying for your card, and select the one that best suits your needs and budget.
• Interest rates: always be mindful of the Annual Percentage Rate (APR). APR is a calculation that helps you compare different credit products in a fair and transparent way. This is the interest you'll be charged if you don't pay your balance in full each month. To get the most from your credit card, it's best to pay your balance in full and on time.

Representative example of a Revolut Credit Card: assuming a single purchase of €1,500 repaid in equal instalments over a 12 month period, at a variable interest rate of 13.34% Annual Percentage Rate (APR) 17.99%, the total amount repayable (including government Stamp Duty charge of €30) would be €1,640.58. The total cost of credit would be €110.58.

Credit cards: a balanced approach to financial responsibility

The most important part of owning a credit card is using it responsibly. This means only spending what you can afford to pay back and always paying your balance on time to avoid paying interest. When used carefully, a credit card is a powerful tool that opens up a world of benefits.

Final tips before you apply

Before you apply, it's essential to review the terms and conditions carefully. Make sure you understand the interest rates, fees, and the specific rewards you can earn. By choosing the right card and managing it responsibly, you can get more from your money.

Get started with a Revolut Credit Card

Ready to start earning rewards and enjoying the benefits of a credit card? The process is simple and can be completed in just a few steps.

How to apply for a Revolut Credit Card

1. Download the app: get the Revolut app on your phone to begin
2. Sign up and verify your identity: follow the simple on-screen instructions to create your account and verify your identity
3. Apply for a credit card: once your account is set up, you can submit an application in-app

The information provided is accurate as of 11 September 2025.

18+ only. RevPoints T&Cs apply. RevPoints earned depend on your plan. RevPoints rewards require opt-in to RevPoints program, and vary by plan.

Revolut Bank UAB is regulated and authorised by the Bank of Lithuania in the Republic of Lithuania, and by the European Central Bank, and is regulated by the Central Bank of Ireland for conduct of business rules.


Lending criteria, as well as terms and conditions, apply. Credit Cards are available to Revolut customers who are residents of the Republic of Ireland over the age of 18. All Credit Cards applications are subject to approval.

Warning: if you don't meet the repayments on your credit card, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement, or a Buy Now Pay Later (BNPL) agreement in the future.