Latest reviews

Reddit · r/CreditCards · 10 hours ago

A free upgrade from a green card to Platinum brought only so-so benefits, and the annual fee bill made it not worth keeping.

Reddit · r/ynab · yesterday

A decade-long devoted user who still does not understand some of the odd behaviours such as stealing from the future.

Reddit · r/Revolut · yesterday

Repeated promo notifications such as free Premium months, referral nudges and themed cards are annoying enough that they plan to leave once a decent alternative turns up.

Reddit · r/Revolut · yesterday

After a traditional bank closed their account without explanation, the Revolut account has caused no problems at all.

Reddit · r/Revolut · yesterday

Used day to day as a secondary account funded each payday, with separate pockets for different spending areas that work well for budgeting.

Reddit · r/Revolut · yesterday

About 1.6 years in as their first digital bank, they like that a flagged transaction only needs documents or a face scan rather than a blanket suspension. They also rate the cashback and savings rate above the competition they researched.

Reddit · r/Revolut · yesterday

Called the best banking product they have used, with plentiful cards, automations, insurance and travel perks plus an intuitive app. Trust is the sticking point, because of the many blocked-account stories they keep reading.

Reddit · r/Revolut · yesterday

A full-day outage in October locked up all funds, and the app has a habit of freezing accounts over transactions it wrongly flags as suspicious. The poster still stays because no other bank matches the automations that sort their money into pockets for bills and groceries.

Reddit · r/Revolut · yesterday

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.

Reddit · r/CreditCards · 2 days ago

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

Reddit · r/CreditCards · 2 days ago

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.

Reddit · r/CreditCards · 2 days ago

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

Reddit · r/CreditCards · 2 days ago

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

Reddit · r/Revolut · 2 days ago

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.

Reddit · r/fidelityinvestments · 2 days ago

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

Reddit · r/fidelityinvestments · 2 days ago

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.

Reddit · r/Revolut · 2 days ago

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

Reddit · r/fidelityinvestments · 2 days ago

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

Reddit · r/Revolut · 2 days ago

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

Reddit · r/Revolut · 2 days ago

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

Reddit · r/Revolut · 2 days ago

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

Reddit · r/Revolut · 2 days ago

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

Reddit · r/Revolut · 2 days ago

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

Reddit · r/ynab · 2 days ago

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

Reddit · r/CreditCards · 2 days ago

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.

Reddit · r/Revolut · 2 days ago

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.

Reddit · r/CreditCards · 2 days ago

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

Reddit · r/CreditCards · 2 days ago

Opened the card and was blocked pending income verification; despite sending documents, the issuer closed it and still charged the annual fee. Escalating by phone did nothing, and a CFPB complaint eventually produced a courtesy credit of the fee.

Reddit · r/CreditCards · 2 days ago

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.

Reddit · r/Revolut · 2 days ago

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

Reddit · r/Revolut · 2 days ago

Shares a joint account with a spouse in France; the spouse's physical card works everywhere except automated gas stations, where payments are refused before the PIN can be entered, while the account holder's own card works.

Reddit · r/Revolut · 3 days ago

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.

Reddit · r/Revolut · 3 days ago

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.

Reddit · r/fidelityinvestments · 3 days ago

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

Reddit · r/fidelityinvestments · 3 days ago

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

Reddit · r/fidelityinvestments · 3 days ago

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.

Reddit · r/fidelityinvestments · 3 days ago

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.

Reddit · r/Revolut · 3 days ago

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

Reddit · r/Revolut · 3 days ago

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

Reddit · r/CreditCards · 3 days ago

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.

Reddit · r/CreditCards · 3 days ago

Had a trip cancellation claim covered by their Amex Platinum travel insurance despite split one-way flights on different airlines. They say it was paid without extra questions, though they note it is more restrictive than Chase.

Reddit · r/CreditCards · 3 days ago

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.

Reddit · r/CreditCards · 3 days ago

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.

Reddit · r/Revolut · 3 days ago

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

Reddit · r/CreditCards · 3 days ago

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.

Reddit · r/CreditCards · 4 days ago

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.

Reddit · r/ynab · 4 days ago

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.

Reddit · r/personalfinance · 5 days ago

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.

Reddit · r/personalfinance · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/Revolut · 5 days ago

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.

Reddit · r/Revolut · 5 days ago

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.

Reddit · r/Revolut · 5 days ago

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.

Reddit · r/Revolut · 5 days ago

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

Reddit · r/Revolut · 5 days ago

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.

Reddit · r/Revolut · 5 days ago

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

Reddit · r/Revolut · 5 days ago

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.

Reddit · r/Revolut · 5 days ago

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

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/CreditCards · 5 days ago

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

Reddit · r/fidelityinvestments · 5 days ago

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

Reddit · r/CreditCards · 5 days ago

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.

Reddit · r/ynab · 5 days ago

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

Reddit · r/ynab · 5 days ago

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.

Reddit · r/ynab · 5 days ago

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

Reddit · r/CapitalOne · 5 days ago

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.