Applying for a Revolut Credit Card gives you quick access to flexible spending and valuable rewards.
The card is ideal for those who want convenience, security, and control through an easy app-based experience
This guide explains how to apply for the Revolut Credit Card, understand its benefits, and manage your credit efficiently through the app.
Understanding the Revolut Credit Card
The Revolut Credit Card blends traditional credit features with modern financial technology.
It offers spending flexibility, global acceptance, and attractive perks for both travelers and everyday users.
You can manage everything in the app—from applying to tracking expenses—without paperwork or long waits.
Main Features and Benefits
Revolut’s credit cards are designed to give you convenience and control. Each card tier includes exclusive features and different reward rates.
- Up to 2x RevPoints per €1 spent: Every eligible transaction earns you points that can be converted into Airline Miles with over 30 airlines, including Ryanair and Wizz Air.
- Flexible repayments: You can enjoy up to 62 days of grace period with low interest and no hidden fees.
- Digital access: Order a virtual card instantly after approval or request a physical one.
- Travel benefits: Higher tiers include travel insurance and exclusive access to airport lounges.
Each of these features is available through different Revolut plans, allowing you to select one based on your needs and spending habits in Brazil or abroad.
Different Revolut Credit Card Tiers
You can choose from four credit card plans that offer different benefits and RevPoint earnings. Each tier caters to a specific spending profile and lifestyle.
Plus
Ideal for the smart spender. You earn 1.5 RevPoints per €10 spent, and you also gain access to higher limits for purchases abroad and insurance coverage for your transactions.
Premium
A good choice for those who spend more often. You earn 1.5 RevPoints per €4 spent, with no limits on currency exchange and access to exclusive subscription offers.
Metal
Perfect for global travelers and active users. You earn 1 RevPoint per €1 spent, enjoy travel insurance, and get enhanced limits and access to premium services.
Ultra
The top-tier card offering 1.5 RevPoints per €1 spent, with unlimited lounge access, global mobile data, and priority support.
It’s the best option for those who want full flexibility and the highest level of privileges.
Who Can Apply for a Revolut Credit Card?
Applying for a Revolut Credit Card is simple, and the process is entirely digital. Here’s what you need to qualify and prepare before applying:
- Age Requirement: You must be at least 18 years old to apply.
- Account Verification: A verified Revolut account is required before starting the application.
- Valid Identification: Provide a government-issued ID or passport for identity confirmation.
- Local Requirements (Brazil): You must have a valid CPF number and proof of residence to comply with local banking laws.
- Credit Assessment: Revolut may perform a brief credit evaluation based on your income and Revolut account activity.
- Eligibility Region: The card is available to Revolut users in select countries, including Brazil.
These basic requirements ensure a smooth approval process and faster credit access through the Revolut app.
Application Process Step-By-Step
Getting a Revolut Credit Card is simple and fast through the Revolut mobile app. The process takes only a few minutes, and approval is often instant once verification is complete.
- Open the Revolut app (Android or iOS user) and navigate to the “Credit Cards” section.
- Select your preferred plan — Plus, Premium, Metal, or Ultra.
- Fill out your details and verify your identity using Revolut’s secure system.
- Set your desired credit limit, up to €10,000 or the local equivalent.
- Submit your application and wait for a quick decision.
- Order your card — you can choose a physical card or start using a virtual one immediately.
Once approved, you can activate the card within the app and start using it for online or in-store purchases. You can also add it to Apple Pay or Google Pay for seamless mobile transactions.
Credit Limit and Interest Rate Details
Revolut provides a flexible credit limit that depends on your income and credit score. The limit may go up to €10,000, allowing you to manage large purchases efficiently.
Interest rates typically range between 15% and 19% APR, depending on your plan and region. Lower rates often apply to higher-tier cards like Metal or Ultra.
The first 62 days may come with a grace period, meaning you can pay later without added interest.
Managing Repayments and Grace Period
Revolut makes repayments easy through its app interface. You can schedule payments, set reminders, or enable automatic deductions from your linked account.
This system helps you maintain good credit health while staying in full control. You can repay in full or choose flexible installments.
The grace period gives you up to 62 days of interest-free use, offering breathing space before your next payment.
Users in Brazil can link their Revolut cards to local bank accounts for faster repayment processing. Revolut ensures there are no hidden fees or confusing terms.
Understanding RevPoints and Rewards
RevPoints are Revolut’s way of rewarding your daily spending. You earn points every time you use your Revolut Credit Card, and they can be exchanged for travel miles or discounts.
To maximize your rewards, focus on spending categories that earn higher points, such as travel, dining, and online shopping.
Premium and Ultra members can benefit from exclusive offers and faster RevPoint accumulation. If you travel frequently, these points can quickly translate into airline miles, giving you real value back on your purchases.
Practical Tips Before Applying
Before applying for the Revolut Credit Card, make sure your account and information are accurate. These steps improve your approval chances and help you select the best plan.
- Verify your Revolut account: Complete all verification steps in the app before applying.
- Update your details: Keep your income, address, and identification current for faster approval.
- Maintain a good credit record: A positive credit history increases your chances of approval and higher limits.
- Compare plan options: Review each Revolut tier carefully and choose one that suits your spending habits.
- Check regional availability: Ensure your selected card plan is available and compliant with Brazil’s financial rules.
- Review all fees and interest rates: Study Revolut’s in-app terms before confirming your application.
- Prepare documentation: Have your CPF number and proof of residence ready for local verification.
Following these tips helps you apply confidently and choose the right Revolut plan that fits your financial goals.
Disclaimer
Credit approval depends on Revolut’s financial partners and local regulations. Interest rates, limits, and terms may vary by region or plan and can change over time.
Always check the official Revolut website or app for the most updated information before applying.
Contact and Support Information
If you need help or want to check eligibility, you can contact Revolut through multiple channels.
- Website
- Support Email: support@revolut.com
- Phone: +44 20 3322 8352
- In-app Chat: Available 24/7 in your Revolut app
These support options ensure that all applicants and cardholders have assistance whenever they need it.
Final Thoughts: Why Choose Revolut Credit Card
Choosing the Revolut Credit Card gives you freedom, flexibility, and access to rewards that match your spending habits.
The digital-first approach simplifies the entire process, from application to repayment. Whether you’re in Brazil or using it internationally, Revolut provides transparency and convenience.
It’s more than a card — it’s a smart tool for managing your finances efficiently and confidently.
