Quick Answer
The honest dollar verdict first
Before you tap “upgrade”: most US users should stay on the free Standard plan, at least for currency exchange. I’ll argue you out of paying before I argue you into it: Revolut’s free tier already does the expensive part for spending abroad (real exchange rate, no foreign transaction fee up to $1,000/month), and the paid tiers only earn their keep once you outgrow that limit or need fee-free ATM withdrawals, which Standard doesn’t offer at all in the US. Here’s every US plan in dollars, the test for when paying makes sense, and if you’re still shopping around, our credit cards guide rounds up every travel card we recommend.
Revolut plans in USD compared
| Plan | Price (USD) | FX allowance | Weekend markup | Out-of-network ATM | Lounges | Rewards |
|---|---|---|---|---|---|---|
| Standard | Free | $1,000/month | 1% | 2% on all withdrawals, no free allowance | Not discounted | None |
| Premium | $9.99/mo | $10,000/month | None | Free up to $800/mo, then 2% | Discounted | None |
| Metal | $16.99/mo | Unlimited | None | Free up to $1,200/mo, then 2% | Discounted | None |
In-network ATM withdrawals carry no Revolut fee on any plan, though third-party fees may still apply. Prices as of August 2026; confirm in the app.
Three corrections to the usual US Revolut writeup
If you’ve read about Revolut USD elsewhere, three things are commonly wrong. First, there is no Ultra plan in the US at all, so any article pricing it around $45/month is describing a plan Americans can’t buy. Second, US Premium’s FX allowance is capped at $10,000 within a rolling 30-day period, not unlimited; only Metal has no cap. Third, and the one that misleads the most: US Metal earns no cashback and no RevPoints. The rewards system that exists in Europe and the UK simply isn’t on the US page. The only “cashback” Revolut mentions for US users at all is on Revolut Pro, a separate freelancer/business account, at 0.4-0.6%, and it has nothing to do with the personal Standard, Premium or Metal cards.
The ATM gap that catches Standard users out
This is the biggest practical difference from Revolut’s European plans: US Standard has no fee-free ATM allowance whatsoever. Every out-of-network withdrawal costs a flat 2%, from the first dollar. The free allowance only starts once you upgrade: $800/month on Premium, $1,200/month on Metal. In-network ATM withdrawals are free on every plan, but Revolut’s in-network coverage in the US is limited, so budget for the 2% if you’re withdrawing cash on Standard.
Why US Premium and Metal are still worth considering
Beyond the exchange and ATM limits, Premium and Metal add discounted airport lounge access (Standard gets none) and materially better savings rates: Revolut’s High Yield Savings account pays 4.00% APY on Standard, 4.50% on Premium, and 5.50% on Metal (rates as of Revolut’s most recent published update; savings are held via Cross River Bank, FDIC-insured up to $250,000, and the high-yield tier is capped at $10,000 of customer-initiated deposits; Revolut itself is not a bank). Both paid tiers also list travel medical insurance and delayed flight, lost or damaged luggage cover, but Revolut’s US page does not publish specific dollar limits for either, so don’t quote a coverage figure you haven’t seen yourself in the app.
The honest upgrade test
Run your last 12 months. Did you exchange more than $1,000 a month, withdraw cash abroad often, or want discounted lounge access and a better savings rate? A “yes” to any one and Premium ($9.99/month, about $120/year if paid monthly) pays for itself, mostly through the $800 ATM allowance and the $10,000 exchange limit. Otherwise, the free plan is smarter for exchange, though remember it gives you zero fee-free ATM withdrawals. Eyeing Metal? Don’t buy it for rewards: there are none in the US. It only makes sense if you’ll use the unlimited exchange, the $1,200 ATM allowance or the 5.50% savings rate.
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. That part is free on every Revolut plan, including Standard. The catch for Americans is cash: budget for the 2% ATM fee on Standard, or upgrade if you withdraw often. 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?
As of August 2026: Standard is free, Premium $9.99/month, and Metal $16.99/month. There is no Plus and no Ultra plan in the US, unlike Europe and the UK, and the US Metal plan does not earn cashback or RevPoints. Confirm current prices in the app.
Is the free Revolut plan enough in the US?
For most occasional travelers, yes, for the exchange rate: the free Standard plan gives the real exchange rate with no fee on up to $1,000 a month of exchange (1% on anything over that, and 1% on exchanges between 5pm Friday and 6pm Sunday Eastern time). It’s weaker on cash: Standard has no fee-free ATM allowance at all, just a flat 2% on every out-of-network withdrawal. You only need a paid plan once you regularly exceed the exchange limit or need free ATM withdrawals.
Is Revolut Premium worth it in the US?
Only if you hit the free plan’s limits: exchanging more than $1,000/month (Premium raises that to $10,000, not unlimited), withdrawing cash abroad often ($800/month fee-free on Premium), or wanting discounted lounge access and the higher-yield savings account (4.50% APY versus Standard’s 4.00%). At $9.99/month, so about $120 a year if you pay monthly, it pays for itself for frequent travelers, but it’s wasted if you stay under the free allowances.
Verdict
In USD: stay free unless you exceed $1,000/month of exchange or withdraw cash abroad often, then Premium; Metal only if you need the unlimited exchange or the higher ATM allowance, never for rewards, since there are none on US cards. Start with the free plan through my link below.