Revolut Ultra | OP Visa Platinum | Amex Platinum (FI) | What it means in everyday use | |
---|
Pricing in Finland | €50 / mo (€540 yr) (revolut.com) | €50 / mo package (card €2.95 + services) (op.fi) | €65 / mo (€780 yr) (americanexpress.com) | Amex now costs ~€15 more each month than the other two. |
Card & issuer type | World Elite Mastercard debit/e-money issued by Revolut Bank UAB (LT) (ibsintelligence.com) | Dual-logo credit + debit Visa issued by OP Retail Customers Oyj (FI) (op.fi) | Metal charge card (pay-in-full) issued by American Express Europe S.A. (ES) (americanexpress.com) | Ultra has no Finnish credit protection; OP offers a real revolving credit line; Amex must be cleared every month. |
Interest / credit cost | n/a (spend your own balance) | Effective APR 18.19 % on €2 000 credit; ≈35 days interest-free if paid in full (op.fi) | 0 % (no borrowing allowed; pay statement in full) (americanexpress.com) | Need borrowing flexibility? OP is alone here. |
Foreign-currency spend | Unlimited at interbank rate, no weekend markup (help.revolut.com) | Visa wholesale + 2.5 % markup outside euro area (op.fi) | Amex wholesale + 2.2 % markup on FX purchases (americanexpress.com) | Ultra is still the cheapest for SEK/USD/THB shopping; Amex sits between Ultra and OP. |
ATM cash | Up to €2 000 / mo free, then 2 % (min €1) (revolut.com) | Credit cash advance €2 + 2.75 %; debit abroad €2 + 2.75 % after 4 free domestic withdrawals (sortter.fi) | 4 % of amount, min €4.25 (+ 2.2 % FX if non-EUR) (americanexpress.com) | Frequent cash users abroad: Ultra wins; Amex the priciest. |
Airport lounges | Unlimited LoungeKey for card-holder (≈1 000 lounges) (revolut.com) | Unlimited Priority Pass + new OP Lounge at HEL Gate 22 (op.fi) | Global Lounge Collection: Priority Pass (+2 guests), Centurion & Delta Sky Clubs + free meals at HEL “Pier Zero” restaurant (americanexpress.com, reddit.com) | Amex offers the broadest network and a free à-la-carte meal at HEL; OP provides a quieter own lounge; Ultra covers “standard” contract lounges. |
Travel & purchase cover | AXA bundle incl. winter-sports, car-hire excess, “cancel-for-any-cause” events (help.revolut.com) | Pohjola travel, rental-car excess €5 000, 365-day product insurance €2 000/75 € excess (op.fi) | Extensive Amex policy: medical cover, baggage delay, trip delay, car-hire €75 k, liability €1 m, plus 90-day purchase protection (up to €10 k / yr) (americanexpress.com, americanexpress.com) | Amex & OP both out-class Ultra on insurance depth; Ultra still decent for single travellers. |
Digital / lifestyle perks | 3 GB global eSIM / mo, FT, NordVPN, WeWork, Tinder Gold; RevPoints loyalty (help.revolut.com) | F-Secure Identity & Device Security (whole family), curated events & dining perks (op.fi) | Dining by Amex (6× €100 meals/yr), Fine Hotels & Resorts, Radisson & Hilton Gold, Marriott Bonvoy Gold, hotel credits (americanexpress.com, americanexpress.com) | Pick the card whose perks you will actually redeem; Amex is hospitality-heavy, Ultra is digital-heavy, OP is security-heavy. |
Finnish-specific touches | Lithuanian €100 k deposit guarantee, SEPA instant, supports MobilePay/Apple/Google Pay | K-Plussa linking, OP bonuses to offset fees, Finnish 24/7 phone & branch network | Free “Pier Zero” meal at HEL, in-app Finnish support, Dining by Amex in Helsinki/Tampere/Turku | Local loyalty vs. borderless fintech vs. luxury concierge. |