The honest dollar verdict first
Before you tap “upgrade”: most US users should stay on the free Standard plan. I’ll argue you out of paying before I argue you into it — Revolut’s free tier already does the expensive part (real exchange rate, no foreign transaction fees on overseas spend), and the paid tiers only earn their keep once you outgrow its limits. Here’s every US plan in dollars, with the test for when paying makes sense.
Revolut plans in USD compared
| Plan | Price (USD) | Key upgrade | Worth it for |
|---|---|---|---|
| Standard | Free | Real rate, no FX fee (to limits) | Most occasional travelers |
| Premium | ~$9.99/mo | Unlimited FX, travel perks, virtual cards | Frequent travelers past free limits |
| Metal | ~$16.99/mo | Cashback, lounge access | Heavy spenders only |
| Ultra | ~$45/mo | Unlimited lounges, top cashback | Very rarely |
Prices change — confirm in the app.
The honest upgrade test
Run your last 12 months. Did you exchange currency heavily, withdraw cash abroad often, or want the travel perks? A “yes” and Premium (~$120/year) pays for itself. Otherwise the free plan is smarter — don’t pay to lift limits you never reach. Eyeing Metal ? Its cashback rarely beats $15–20/month, so only heavy spenders should bother.
Why even the free plan matters for travel
On a $2,000 trip abroad, the real interbank rate saves $30–60 versus a typical card’s 1.5–3% foreign markup. Add real-rate ATM withdrawals and fraud-proof disposable cards, and the free plan covers the costly part for nothing. Full walkthrough in the Revolut review , and how it teams with a points card in Amex vs Revolut .
Frequently Asked Questions
How much do Revolut plans cost in the US?
Roughly: Standard free, Premium ~$9.99, Metal ~$16.99, Ultra ~$45 per month. The US has no “Plus” tier. Confirm in the app.
Is the free plan enough in the US?
For most occasional travelers, yes — real rate with no FX fee up to a monthly allowance and a fee-free ATM allowance. Upgrade only when you exceed those.
Is Premium worth it in the US?
Only if you exchange heavily, withdraw cash abroad often, or want the travel perks. At ~$120/year it pays off for frequent travelers, otherwise it’s wasted.
Verdict
In USD: stay free unless you genuinely outgrow the limits, then Premium ; Metal only if the cashback truly covers it. Start with the free plan through my link below.