[FR] Is Revolut Metal actually worth it? Looking for honest user feedback
Hey everyone,
I've had the Metal card for a while now and honestly, I'm struggling to see the real day-to-day benefits. I'm about to head abroad for 6 months and I'm seriously considering downgrading to a lower plan before I go.
Here's what's bothering me:
- Insurance coverage : the travel insurance feels pretty weak compared to what standard premium bank cards offer. No solid trip cancellation coverage, limited medical caps, lots of exclusions.
- RevPoints : the earning rate is painfully slow. Unless you're spending huge amounts, it takes months to unlock anything meaningful.
- Cashback : limited and capped, nothing exciting.
- The rest : higher free ATM withdrawal limits are nice, but not enough to justify the subscription price on their own.
Questions for current Metal holders:
Do you genuinely feel it's worth the price?
For a long stay abroad (6 months), do the perks actually become more valuable?
Has anyone actually used the Metal travel insurance in a real claim situation? How did it go?
For those who downgraded from Metal to Premium or Plus, any regrets?
Would really appreciate some honest takes before I make a decision.