The Capital One 360 Debit Card is a strong choice for users seeking a straightforward, fee-free banking experience with a large ATM network and cashback rewards. Revolut Standard Debit Card is better suited for international travelers who need multi-currency support and budgeting tools, but should be aware of potential foreign transaction and ATM fees.
| Attribute | Capital One 360 Debit Card | Revolut Standard Debit Card |
|---|---|---|
| Monthly Fee | No monthly fees | $0.00/month |
| Minimum Balance Requirement | No minimum balance requirement | Not specified in the search results |
| ATM Access (Network) | Access to over 70,000 fee-free ATMs, including Capital One, MoneyPass, and Allpoint ATMs | Revolut does not charge a fee for in-network ATMs. Standard plans may incur a fee of up to 2% of the withdrawal value for out-of-network ATM withdrawals. The ATM operator may charge a fee when using an ATM outside the Allpoint network. |
| Foreign Transaction Fees | No foreign transaction fees | For Standard customers, there may be a fee of 1% over a certain amount, such as £1,000. All customers can spend, withdraw, and exchange foreign currencies during the week without additional costs, up to a certain amount based on their plan. Currency conversion can cost more on weekends, with an extra 1% fee for all plan types. |
| Cashback Rewards | Cashback rewards at over 1,500 companies (online only, offers fluctuate) | Not available for the Standard plan |
| Purchase Protection | Tools in mobile app to detect fraud and help resolve issues | The Standard plan does not include purchase protection |
| Overdraft Fees | No overdraft fees | Not available |
| Mobile App Features | Account management, mobile check deposit, money transfer, bill pay, Zelle, two-step authentication, real-time fraud/purchase alerts, card lock, card activation, digital wallet management, virtual assistant (Eno) | Sync with bank accounts and online subscriptions, visual presentations of spending habits and budget plans, cryptocurrency support, security controls, such as card freezing and spending limits |
| FDIC Insurance | FDIC-insured | Funds in Revolut prepaid card accounts are held at or transferred to Lead Bank, a member of the FDIC, and are insured up to $250,000 |
| Daily Spending Limit | $5,000 total card purchases and withdrawals per day | The maximum amount a card can spend is 5,000,000 GBP (or currency equivalent) per month |
| Contactless Payment Support | Supports contactless payments | Yes |
| Budgeting Tools | Not available | Yes, Revolut's mobile app helps users take a more organized look at their personal finances |