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Uses the Metal plan while living abroad full time and gets enough value from it. They add that for someone living at home or traveling occasionally the free account is enough.

Uses it as their gas card, earning the boosted 6% in their chosen category during the first year.

Has done a weekly reconcile-and-pay routine in YNAB since 2022 for peace of mind after past card debt, but is now dropping it for a cheaper alternative and dislikes its renamed menus.

After more than seven years on Revolut, they say trading worked fine during the previous week's crash but failed without any in-app notice during the rebound, and they are leaving over reliability.

Opened the account after running into high ATM fees in South America and keeps it lightly funded from their brokerage account for that purpose.

Started out in Fidelity Go, which gave a spread across small, medium, large, bond and international funds at no cost, before later self-managing.

Upgraded from the Blue Cash Everyday after years and keeps the Preferred because groceries are their biggest spend, paying in full each month so the fee is outweighed.

Product-changed a Quicksilver Visa to a Savor and reports it still shows as a Visa in the app.

Held the card and tried to justify the high fee with its credits, but found that paying for things they would not otherwise buy did not work for them. They plan to move away from it next month.

Used it for several years before moving to a different budgeting app, feeling YNAB had kept making things harder rather than easier.

Is on the Metal plan and is happy with it, citing the points they earn and the perks.

Calls it their first choice as a high-yield savings account, citing the interest rate, free checking, the debit card with ATM fee reimbursement and free bill pay.

Uses YNAB with linked accounts and finds it much easier than manual tracking. Calls it pricey but worth the reduced mental effort.

Has had no mobile service for over two days after switching to Revolut and finds support very poor.

Set the iPhone action button to add a YNAB transaction and now logs purchases right after paying, before the receipt prints.

Moved their mobile plan over from Vodafone and finds speeds now terrible in a rural area, planning to go back.

Gets weekly emails and notifications pushing the German IBAN switch even with marketing turned off, and support first promised it would stop.

Found that choosing Revolut Pay for an Uber trip switched off their Uber One benefits despite having it through a Revolut plan.

Uses Revolut Pay across Wolt, Uber, WizzAir and Booking.com and says it makes RevPoints more attractive.

Gets paid in a different currency, which makes a paid Revolut plan worthwhile for them. They say the value of the plans is personal and depends on how you use the account.

Has used it for years but only while travelling, keeping a regular bank for everything else, and finds its support more automated than human.

Had been happy with Revolut CFD trading for a couple of weeks, then found it down for almost three hours with a large open position they could not close. Plans to close their trading account.

Says the account's ATM fee reimbursement covered a steep fee and currency conversion charge from a European ATM while studying abroad.

Suggests the Fidelity card for recurring expenses but says a dispute over a counterfeit item bought with it did not help and sided with the seller.

Pairs the Venture X with a Savor and says the annual travel credit and yearly miles more than cover the fee even with one trip a year. They also value the lounge access during layovers.

Calls the Cash+ a card you can age with and says earning 5% back on utility bills is their favorite bonus of all their cards.

Keeps the Sapphire Reserve even while not traveling internationally, for the 1:1 Hyatt transfers and a yearly Edit and dining credit they can use locally.

Keeps it as their one cash back card, hand-picking a single category each cycle and putting nothing else on it, and notes it is no longer open to new applicants.

Finds Revolut fine as a bank but considers its trading platform very poor, and says they have filed several complaints and are preparing a formal one to the regulator.

Uses the debit card at casino and dispensary ATMs and gets the fees rebated, preferring that to carrying a whole trip's cash.

Moving their mobile number to Revolut left them without service for a day, and support only said to wait while they pass them around.

Uses the account in place of a bank account with overdraft protection funded from their brokerage account; it mostly worked but recently the protection failed and transactions were declined.

Ported their number from GoMo in minutes and reports everything fine so far, saying RevPoints earned on their Metal plan cover the cost.

Filed a formal complaint and Revolut admitted fault and offered a small compensation, but about a month later the money had still not arrived.

Holds both the Sapphire Preferred and the Navy Federal Flagship Premier and considers the Sapphire Preferred the better daily driver because of its extra 3% categories.

Has begun using the Apple Card for most purchases with Daily Cash flowing into the Apple savings account, and tracks the small amounts in their budget.

They are a big fan of the Fidelity CMA because of its autosweep feature, using it like a checking account while the cash earns the money market rate without savings-account restrictions.

They have used E*TRADE for over two decades with no problems, finding support responsive and accurate the few times they needed it, and they handle most things in the app or on a laptop.

Has used the Venture X as an everyday card and recently redeemed its points for two business-class round trips to Japan, which they take as proof the card is worth it.

Holds the Venture X and just opened the Bilt Palladium. They like its stronger transfer partners and the higher portal redemption value compared with Capital One, and note no perk changes have been announced yet.

Has used Revolut for years as a main account for savings and salary, with large transfers and crypto moves, and says they have never hit the problems others report.

Likes their Blue Cash Everyday and uses it at Walmart where their Savor does not earn 3%, and describes the pairing of the two as a great combo.

Holds both the Amex Gold and Venture X and says the Gold works well for them because it matches where they already spend on food.

Owns both the Savor and Autograph; in Japan the Savor earns 3% almost constantly, with a rare miscoding of a restaurant near them as merchandise.

Found that Wells Fargo caps how often the card can be paid from an outside bank each month, about seven times for them, after which payment has to be made by phone.

Applied for the Strata Premier through a Rakuten offer and took the cash back as Bilt points, which they felt was a better deal than waiting for the bank's own bonus.

Holds the Fidelity credit card but cannot find a running balance after each transaction in the app or website, unlike other issuers.

New Platinum cardholder who cannot add the card to Uber to activate the monthly Uber Cash credit, despite Amex confirming no blocks and trying both Uber and Uber Eats.

Uses YNAB because it keeps money set aside for credit cards so they are paid in full each month, and updates and reconciles often.

Pays property tax and IRS tax with the Venture X despite the card fee, since travel redemptions after a year and a half of heavy travel easily return well over 1 cent per point.

Uses the Bilt Palladium for lounge access since it is easy to earn back the annual fee through credits and it includes guest access.

Only problem was customer service, where they dealt with an AI that pretended to be human, so they use Revolut just as a spending account with virtual cards and keep their salary elsewhere.

Enters every transaction by hand at the time of purchase in YNAB, reconciles twice a week and says the routine takes about five minutes a day.

They were approved for the Venture X as only their third credit card with a modest score, and believe Capital One favors people who keep most of their accounts with it.

Held a Revolut account since 2020 as a main bank but closed it after an outage left them without access to their money, with no compensation, plus earlier trouble with transfers and support.

Prefers YNAB's web app and distrusts the mobile app, whose constantly changing functionality they find confusing and fiddly.

They hold three Capital One cards but keep getting denied for the Venture X despite other premium cards elsewhere, which they think is because they are seen as not profitable.

An Italian resident who used Revolut for everyday payments had the account permanently closed with no clear explanation and finds that hard to accept.

Had their Revolut account scheduled for closure; the appeal failed and they were told it will close permanently without explanation, despite documented activity on the account.

Found Revolut's verification scanner broken, rejecting good photos as blurry and then crashing on submission, and could not reach support by phone.

Got a Revolut alert for a pending purchase they did not make, froze and deleted the card right away and started the refund process, unsure about their chances.

Finds Revolut's savings account suited to parking spare cash that will be used within weeks or months.

They were approved for the Boundless the same day they applied, but the welcome bonus had not yet appeared on the app's bonus tracker, so they asked others whether it would show up.

They use and pay off their Sapphire Reserve every month and are a Chase Private Client, but after an unexpected Boundless denial they are considering taking their business elsewhere when it renews.

They opened a CIT HYSA for its high promotional-era rate, but it gradually dropped, so they moved to Fidelity Cash Management. They never needed customer service and found everything straightforward online.

They opened an E*TRADE account for a sign-up bonus, had trouble logging in, and found the support agent they called very helpful. They received the bonus afterward.

They received a Capital One invitation to apply for the Venture, applied and were denied, leaving them annoyed at the hard credit pull for nothing.

Switched their salary details to Revolut after seeing the offer, but a transfer from their partner was put on hold the same day with an investigation and requests for documents, so they changed it back the next day.

They applied for the Boundless during the flash offer and were denied for the first time ever despite being well under 5/24 and a Chase Private Client, and Chase tried to steer them to a business card.

They had never needed customer service until opening E*TRADE, where verification problems and an unverifiable phone number meant a long wait for manual review before getting online access. They say it is fine now.

Has had their salary paid into Revolut for almost two years without being blocked or closed, likes the income sorter feature and early pay, and found support good when asking for a human.

Applied for the card in August for the points-based welcome offer, found the points more flexible than free night awards, and is going for the second part of the offer too.

They took a chance applying for the Marriott Bonvoy Boundless while sitting exactly at the 5/24 limit and were rejected, matching another commenter's experience in the thread.

Their secured Quicksilver never graduated, but about ten months later they were approved for a Savor and a VentureOne, after which they closed the secured card.

They have had the Quicksilver since their credit repair days over a decade ago but rarely use it, calling the limit too low and the interest too high. They keep it in a safe with a small monthly charge to avoid closure.

Trades on Fidelity and reports lags, glitches, loading issues and sell orders not filling even when the bid fell below the limit. Calls the platform a big piece of trash for active trading and says he would not use it.

Uses Fidelity for both checking and savings and also has the Fidelity credit card, with no problems. Says the customer service is superior to any bank they have used.

Signed up for the card days before the four free night offer appeared and asked Chase to switch offers; the rep declined, though they are not too bothered by the spend requirement of their existing offer.

They applied for the Boundless right around their Chase card anniversary and were instantly approved, even while sitting right at the 5/24 line.

They were approved for a Capital One Quicksilver with a security deposit and plan to pay the deposit and use it, though they first wondered what happens if the deposit is never paid.

Says Fidelity sometimes rejects a second market order for the same stock submitted right after the first because it is too similar to the last one, and that it has been like this for years.

They had just dropped below 5/24 the month before and were instantly approved for the Boundless during the flash offer, with no extra review.

Recently opened the card on the points-based welcome offer and wishes they had waited for the newer offer with four free night awards instead.

They were approved for the Boundless right after dropping to 4/24, having waited for a better welcome offer and prefering points over free nights. They were happy with the record-high points offer.

After a decade as a paying member, the budget-locking update made it unworkable overnight, so they built a custom Excel spreadsheet with AI help and cancelled the subscription.

They call Fidelity Baskets horrible because some of their positions are stuck in limbo. They were told the engineering team would take about a week to respond.

They use the Chase Sapphire Preferred to book hotels and flights for free worth far more than the annual fee, and argue carrying a fee card makes sense for disciplined users.

They applied for the Boundless for the elevated offer and were denied, losing a hard inquiry. They have strong credit and a Chase checking account, and believe Chase strictly enforces its 5/24 rule.

They opened the Boundless a month before the flash points offer appeared and feel the larger points bonus is much better than the free night certificates they took.

They opened the secured card earlier this year, had its limit raised automatically after a few months, and it later graduated to unsecured without a request. They paid on time and kept utilization low.

Their Platinum Secured card took about four and a half years to become unsecured, and the credit limit stayed the same through all that time.

After a first-ever returned payment on a Quicksilver held for ten years, they called right away and were told the account would not be closed, though online stories left them worried.

After weighing a targeted upgrade, concluded the Everyday card with no annual fee suits their grocery spending better than the Preferred.

They have held the secured card for about a year and a half without it graduating despite never missing a payment and low utilization. They were approved for a SavorOne and plan to close the secured card.

VentureOne came with the highest starting credit line they had seen at Capital One, so they moved that line over to their SavorOne using the manage credit lines feature in the app.

A partial transfer out to Robinhood did not work and a call to E*Trade could not explain why; they also believe its margin rate is higher than rivals'.

They upgraded a Platinum to a Savor with an increase, but their Quicksilver Secured has had perfect payments for seven months with no graduation yet. They credit Capital One with helping them through a hard time.

Two years in, my husband and I finally know where the money goes. Worth the $109.

Opening a new VentureOne brought a credit line almost double the one they were refused as an increase on a SavorOne after a year and a half.

Importing many tiny IBIT fee transactions produced hundreds of missing cost-basis warnings that had to be reviewed one by one, with no way found to batch them.

They were approved for Quicksilver and received the card, but the account was restricted for weeks over identity verification while living abroad. Repeated document submissions were rejected without a clear explanation.

After several denied credit line requests for a new account, their Savor limit was finally increased once the account had aged.

Likes the interface but the endless bugs, Amazon issues and rules that do not work became truly exhausting, so they migrated to Monarch.

Five years with no issues, then their account would not verify their identity despite all information provided, and finds customer service futile.

Uses the Cash Management Account as a main account but was hit twice by problems with Fidelity bill pay when paying credit cards, and points others to the many similar reports.

Moved over from Ameriprise intending to self-manage and found the free advisor calls steered toward paid management and skipped their agenda, though the transfer help was good.

Keeps the card because the yearly free-night award more than offsets its low annual fee.

Barely spends on it beyond work travel, but the travel credit and anniversary points cover the annual fee.

Keeps the card for free checked bags, discounted award flights and early boarding, with credits offsetting the annual fee.

Keeps the Marriott Boundless alongside an IHG card because the annual free night more than covers the fee.

Tried Monarch for a while but the lack of zero-based budgeting was the killer, being hardwired to zero-based budgeting.

After seven years on YNAB, was pushed toward Monarch by YNAB's home screen advertisements, finding ads on top of a paid subscription so offensive.

They use a VentureOne as their own starter card, paying it off in full every month, mainly to earn some miles on regular spending instead of nothing.

They opened a Quicksilver expecting a sign-up bonus after meeting the spend requirement, never received it, and support told them there is no bonus on their version of the card.

Used it without hassle for years, but lost money during the recent outage and found support alarming, with AI or a different agent every few messages, so closed the account.

Has had the account for a few months and calls it great; the only complaint so far is the website erroring when ordering checks.

Keeps the Hyatt card for its annual free night, which can be worth much more than the fee.

They have seen their Quicksilver limit raised several times, first unprompted when they carried higher balances and later by requesting an increase every six months, without a hard pull.

Had a small RevPoints balance and kept hitting errors when trying to redeem it for vouchers. Ended up donating the points to charity and switched off RevPoints.

Has used Fidelity cash management accounts for everyday checking for around 15 years with no issues and no regrets.

Has used the Fidelity cash management account, brokerage and credit card as a full banking setup for close to ten years and could not be happier with it.

After years of use, a recent update locks closed monthly budgets completely so you can't go back to log refunds or delayed charges from two months ago.

They only recently realized Active Cash cash back converts to points one to one and regret having kept using their Citi Double Cash or Apple Card, praising the travel, gas and food earning.

Converted an older Platinum to the regular Quicksilver about four years ago and likes the no annual fee and 1.5% cash back, though a second conversion left them holding duplicate cards they do not need.

They found their Venture X starting limit generous but later credit limit increases unpredictable, one coming unprompted after they used it to book a vacation and paid it down.

Has used the card with Sam's Club and Walmart apps for about four years and finds it earns the online rate only about half the time, with workarounds like physical gift cards.

Has used it as a checking replacement for a few months and says it behaves like a normal checking account while paying a solid yield; uses a small BofA account for Zelle.

Meets a free Fidelity advisor about once a year as a DIY investor; the team respects that and has never been pushy.

Got the Cash+ and spent six months cycling spend to use it for utilities; says the rewards calculations had to be fixed by calling in but it was worth the effort.

Tried Monarch for a few months but found the inability to reconcile unsettling and never knew if they could trust their budget.

A long-time YNAB user trying Copilot after Monarch, calling it a gorgeous app while still finding its budgeting lacking.

Moved to Monarch but thinks they should have kept YNAB, as they enjoy manual categorizing and kept up with it better by entering transactions as they happened.

They have held their Quicksilver for years without any credit limit increase, in contrast to their Discover cards, which raise the limit readily.

Tried many checkouts and Walmart locations with Walmart Pay and could not find a pattern for when the card codes the purchase as online.

Uses it as a primary account and finds bill pay and direct deposit entirely fine, with free ATM reimbursement and a yield that matches or beats most high-yield savings accounts.

Chose Fidelity to move their Roth from E-Trade and says they are very glad they did.

Uses the quarterly 5% utilities category but does not earn it on their water bill because it is coded as a government organisation rather than a utility.

A long-time YNAB user who tried Monarch for several months, found a beautiful UI but could not warm up to the budget feature, and is now trying Copilot.

Has used the account as their main checking for around two decades and calls it generally great, with free ATM withdrawals and checks and decent interest.

Likes Monarch after tracking finances for years, making a yearly budget and checking in about halfway through, with the detailed tracking available but the higher-level view working well.

Moved most of their banking to the account and found consolidating everything time-consuming, but says Fidelity's customer service has been superb so far.

Has used Monarch since before it had AI categorization, and says categorization did not seem to get any better.

Likes the account but had it frozen briefly by Fidelity's anti-fraud checks once in over ten years, and now keeps tested bill pay at Schwab and a credit union as a fallback.

Finds with Monarch they must wait for transactions to show up before accepting and categorizing them, and cannot enter them manually without creating duplicates.

Has used the account for banking for three years and calls it great, paired with a Capital One 360 account for Zelle and cash deposits.

Has used it for four to five years with no issues, but found the move from their old bank slow because Fidelity holds incoming pulled transfers for days.

Switched earlier this year and is fine with everything so far, with the exception of bill pay, where mailed checks take at least two weeks to arrive.

Uses the account as their only bank account for everything for over a decade; the only mild annoyance is the lack of Zelle.

Found setting up payments from non-Fidelity accounts and linking a bank to be a pain, with the process crashing, and is considering scrapping it.

Calls the account one of their best financial choices and says it works effortlessly, wishing only that the app showed check deposit images and pending transactions like the website.

They opened their United Explorer card in early September and hit the spend requirement within days, but the authorized user bonus miles still had not posted weeks later.

They applied for the Venture and received the card, but it never appeared in their online banking, and customer service repeatedly asked for identity documents across several calls without resolving it.

They have held the Venture X since late 2023 but do not travel much themselves, and with lounge access now limited to the primary holder they question whether the card still pays for itself.

They hold the Quicksilver for good credit, like it and want to keep it, and keep receiving emailed offers from Capital One to product change to the Savor.

Runs the Everyday card alongside a Savor and finds the pair easy to manage, though it is not good for use abroad.

Had a large pile of RevPoints on their account that Revolut froze despite what they say were genuine transactions, and the accounts were closed shortly afterwards. Says a friend had the same thing happen.

Long-time Fidelity customer who does not use its management services and meets the free advisor twice a year; finds him helpful and not pushy about selling anything.

Switched to Monarch this month after YNAB struggled to connect some accounts, and is very pleased so far.

Says YNAB has not delivered enough value for its price, with silly UI updates, imports that still work only half the time, and the same underwhelming reports for years.

They hold the Venture X alongside a Sapphire Reserve and praise its price protection and price matching on flights, which return the difference as a travel credit, plus perks like the Global Entry credit.

They had a fraudulent charge on their Quicksilver card and say fraud only ever happens on their Capital One cards, including debit cards they do not use, which they had disabled.

Could not complete the app's ID re-verification because the camera step kept freezing or failing, went through repeated support steps and a rejected complaint, and then had features restricted and closed the account.

Says the Fidelity advisor pushed hard to move their 401k into a managed account for a larger fee and kept calling afterwards, leaving a poor impression.

Tried Monarch on a promo, calling it slick and great looking, but within six months was back on YNAB and let Monarch lapse, preferring zero-based budgeting to being a passenger.

Tried Monarch for a few days and ran straight back to YNAB, which they consider the best budgeting app currently.

Says Revolut's app and reps could not provide the broker report needed for their yearly tax filing for two years, which led to trouble with the tax office.

Has a Roth with Fidelity and Robinhood; says Fidelity is great but its only real benefit for them has been being able to call someone, and they have called just once in eight years.

Uses Monarch for their parents and loves it for investments, better import features, customization, an agentic interface and a more modern feel, though it is not zero-based budgeting.

Switched away because YNAB struggled to connect to some accounts during a very active month and, when it synchronized, was completely out of whack, defeating the purpose of automation.

Says Revolut hotel bookings are marked up via Expedia and they have yet to find one worth more than about 1p per RevPoint versus a standard Expedia rate with cashback.

Keeps all tax-advantaged accounts at Fidelity and a brokerage at E-Trade, saying E-Trade has the best interface but Fidelity's customer service is far better and it would be the one choice.

Tried Monarch and says support was unhelpful and would not even respond to their ticket.

Switched to Monarch recently because YNAB was too much of a pain for logging transactions and linking certain accounts.