Quick Answer
The short version
Let me be the reviewer who says the quiet part out loud: most people who want Metal want the metal card, not the maths. And the metal card is the weakest reason to buy it. Revolut Metal stacks cashback and lounge access on top of Premium — genuinely nice perks — but whether they cover the ~€16.99/month fee depends entirely on how much you spend. This Revolut Metal review is about running that number honestly before the shiny card wins the argument for you. For the fuller picture of what Revolut offers before Metal, start with the Revolut travel card review ; if you’re pricing it outside the eurozone, check the plans in USD instead.
What you get over Premium
- A metal card — satisfying to hold, and (be honest with yourself) most of the emotional pull.
- Cashback on spending: around 0.1% in Europe and 1% worldwide, capped each month.
- Airport lounge access via an included SmartDelay benefit — limited free visits, not unlimited.
- Higher ATM allowances and exclusive Metal Mastercard benefits.
Everything that makes Revolut a serious travel tool — unlimited real-rate exchange, travel insurance, multiple virtual cards — actually comes from the Premium tier underneath. Metal is the perks layer on top.
The maths, run honestly
Cashback at 0.1% in Europe means €1 back per €1,000 spent there; even the 1% worldwide rate is capped. For most people the monthly cashback lands around €15–20 at best, and only with heavy spending. Add a handful of lounge visits you’ll genuinely use, and Metal can clear its fee — but it’s a real calculation, not a given. If your cashback won’t cover the gap over Premium and you won’t use the lounges, you’re paying €84/year more for a nicer card.
The honest tradeoffs
- Everything in Premium
- Cashback that can offset part of the fee
- Some airport lounge access
- Higher ATM allowances
- The metal card is nice
- Cashback rarely beats €15–20/mo unless you spend heavily
- Fee is ~€204/year
- Lounge benefit is limited, not unlimited
- The metal card is the weakest reason to buy it
Who should get it (and who shouldn’t)
Get Metal if you spend enough for the cashback to matter and will use the lounge visits. Skip it if you won’t — the Premium plan gives you the serious travel features for less. If lounge access is the real draw, also weigh an Amex Platinum , whose Global Lounge Collection is far broader (see Amex vs Revolut ).
Frequently Asked Questions
Is Revolut Metal worth it?
Only if its cashback plus the lounge perk genuinely cover the ~€16.99/month fee for your spending level. For most people the cashback rarely exceeds €15–20/month unless they spend heavily, so the maths is tight. Buy it if you spend a lot and will use the lounge visits; otherwise the cheaper Premium plan is the better-value stopping point — and don’t upgrade just for the metal card.
What does Revolut Metal include over Premium?
Everything in Premium, plus a metal card, cashback on spending (around 0.1% in Europe and 1% worldwide, capped monthly), airport lounge access via an included SmartDelay benefit, and higher ATM allowances. The core travel features (unlimited real-rate exchange, travel insurance) come from the Premium tier underneath.
How much cashback does Revolut Metal give?
Around 0.1% in Europe and 1% worldwide, capped each month. In practice that rarely beats €15–20/month unless you put heavy spending through the card, so run your own numbers against the fee before assuming the cashback pays for itself.
Revolut Premium vs Metal — which should I pick?
Premium covers the serious travel features (unlimited exchange, higher ATM limits, travel insurance) at a lower fee. Metal only makes sense if cashback plus lounge use clears the extra cost for how you spend. For most travelers, Premium is the smarter stop.
Verdict
Metal is a “want,” not a “need.” If you spend enough that the cashback and lounges genuinely cover the fee, enjoy it — sign up through my link below. If not, the Premium plan is the smarter buy, and there’s no shame in stopping there. Compare Metal against every other travel card option in our credit cards guide before committing.