Revolut Ultra RevPoints: Earning Rates & Calculator

Eligible Ultra customers can earn regular RevPoints through qualifying card purchases after joining the programme. The published debit card rate is 1 RevPoint per £1 of eligible spending in the United Kingdom and 1 RevPoint per €1 in Germany, France, Ireland and Spain.

For qualifying Revolut credit cards in Ireland and Spain, Revolut publishes a separate rate of 1.5 RevPoints per €1 of eligible spending. Credit card availability, eligibility and approval conditions apply.

Ultra’s higher earning rates can produce substantially more points than lower subscription tiers. However, earning more RevPoints does not guarantee that the additional benefits outweigh the cost of an Ultra subscription.

The published rates apply to eligible transactions. Separate credit card rates are listed only where confirmed by the country-specific information reviewed. A missing credit card rate does not establish the availability or absence of a credit card product. Qualifying credit cards are subject to approval and applicable terms.

For the UK, Germany and France, Revolut’s regular earning information lists a debit card rate for Ultra. Ireland and Spain publish additional credit card rates that should not be applied to ordinary debit card purchases.

Although the regular debit card rates follow the same numerical pattern, the countries have different currencies, card products and programme conditions. The earning rules of the country associated with your Revolut account are the relevant starting point.

Each row represents either eligible GBP spending in the UK or eligible EUR spending in Germany, France, Ireland or Spain. Pounds and euros are not being treated as equivalent currencies. These are mathematical estimates for debit card spending only, assuming twelve identical months and no excluded transactions or rounding differences.

For example, a customer with an Ultra account registered in Germany who spends €2,500 per month on fully eligible debit card purchases would have a simplified estimate of 2,500 RevPoints per month.

A UK Ultra customer making £1,500 of fully eligible debit card purchases would have a simplified estimate of 1,500 RevPoints. The points earned are a loyalty balance, not £1,500 in cash rewards.

UK debit card example assuming the full £2,000 is eligible. The published debit card rates for Germany, France, Ireland and Spain follow the same numerical pattern in euros. Credit card rates in Ireland and Spain are different and are not represented in this table.

Under these conditions, Ultra earns ten times the regular RevPoints of Standard or Plus, four times those of Premium and twice those of Metal.

These comparisons describe differences in points earned. They do not establish how much money each plan saves or whether the additional RevPoints justify the cost of upgrading.

Spending values represent either GBP in the UK or EUR in the other four reviewed markets. The calculations compare regular eligible debit card spending only, without additional rewards or transaction-level rounding differences.

For 2,000 units of fully eligible monthly debit card spending, Ultra earns an estimated 1,000 additional RevPoints compared with Metal. If spending remains unchanged for twelve months, that difference would total 12,000 extra points.

What does that difference mean financially?

The additional 12,000 RevPoints have no guaranteed cash value. Their practical benefit depends on the rewards available, how many points each reward requires and any associated costs.

To decide whether upgrading from Metal to Ultra is worthwhile, compare the difference in subscription fees with both the additional points and other Ultra features you would actually use.

For eligible debit card spending, Ultra earns 1 RevPoint per €1. For qualifying credit card spending in these two countries, the published rate is 1.5 RevPoints per €1.

These figures are simplified mathematical calculations using the published Ultra rates in Ireland and Spain. The full spending amount is assumed to qualify. Credit card use requires a qualifying Revolut credit card and applicable approval. Actual awards can differ because of excluded transactions and rounding.

For a customer with €2,000 in fully eligible monthly spending, the theoretical difference is 1,000 additional points on an eligible Ultra credit card compared with an eligible Ultra debit card.

However, a higher earning rate is not a reason to borrow money unnecessarily. Credit card interest, fees, repayment obligations and other conditions can outweigh the benefits of any loyalty programme.

For €2,000 of fully eligible debit card spending in Germany, Premium would earn an estimated 500 RevPoints and Ultra would earn 2,000. That is a difference of 1,500 points in a month.

Over twelve identical months, the simplified difference would be 18,000 points. Those additional points may be attractive to customers who spend heavily on qualifying purchases, but their value depends on redemption options and the cost of the subscription.

Premium and Ultra also offer different non-RevPoints features and subscription costs. Comparing them fairly means considering the services you would actually use, not just the points difference.

Ordinary consumer purchases may qualify when made with a supported Revolut card, but the transaction must meet the current programme conditions for your market.

Official Revolut exclusions include financial transfers, wallet top-ups, cash-like transactions, cryptocurrency purchases, brokerage activity, certain insurance and financial services, and various other money movements.

Taxes, fines, gambling, betting, utility payments, selected government payments, charities, educational institutions and particular business services can also be excluded.

Merchant classification can affect eligibility. Revolut Pro account transactions are also excluded from the regular personal RevPoints rules described in the official information used for this guide.

For a detailed explanation of excluded transactions, see our Eligible RevPoints Spending Guide.

Does Spare Change generate free RevPoints?

No. Spare Change is a feature that uses the customer’s own money to purchase RevPoints, where supported. These points are different from points awarded for eligible purchases at the regular Ultra rate.

Before enabling points purchases, review the purchase cost, relevant terms and actual redemption options. Acquiring a larger number of loyalty points does not automatically create a financial saving.

Our How to Earn RevPoints Guide explains regular earning methods and points purchases in greater detail.

Revolut confirms that RevPoints do not have a fixed monetary value and cannot be exchanged directly for cash or currency. More points do not necessarily translate into a proportional increase in monetary benefit.

Learn more in our How to Use RevPoints Guide and RevPoints Value Guide.

Points credited at different times can expire on different dates. Earning new points should not be assumed to extend the validity of points you already hold.

You can view your points balance and relevant expiry details through the RevPoints section of the Revolut app.

For more information, see our RevPoints Expiry Guide.