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Revolut To Take On Amex With Launch Of Points-based Credit Cards

Revolut is setting its sights on a new battleground — the lucrative world of rewards credit cards — in a direct challenge to giants like American Express and Barclaycard. The UK-based fintech, now with over 50 million users worldwide, is quietly working on a suite of credit cards powered by its proprietary RevPoints system.

According to insiders familiar with the project, the upcoming cards will be tailored to Revolut’s various subscription tiers, offering users a fresh way to rack up and spend rewards. It marks another ambitious step in Revolut’s rapid expansion beyond digital banking — a strategy that already includes trading, crypto, insurance, and soon, mortgages and private banking.

Cracking The Loyalty Game

Revolut introduced RevPoints last July, letting users earn points on debit card purchases. So far, points can be redeemed for gift cards from big names like Apple and Amazon, or converted 1:1 into airline miles. But with a new credit card in play, Revolut appears ready to scale that system into a full-fledged loyalty ecosystem.

The move brings Revolut into an arena long dominated by legacy players. American Express and Barclaycard rule the rewards space in the UK with established ecosystems like Amex points and Avios. Fintech disruption here has been slower than in other areas — Yonder, one of the few challengers, has just 30,000 users and focuses on perks with local businesses rather than flight deals.

Revolut’s global reach and brand recognition give it an edge in taking this challenge mainstream. The key question now: is how it will differentiate in a crowded, loyalty-heavy market.

What’s Next For The Superapp

The credit card is just one piece of a bigger puzzle. In January, Sifted revealed that Revolut is developing a premium private banking service aimed at high-net-worth individuals, complete with investment tools and personalized wealth advice. Also in the pipeline: an AI-powered money assistant and a mortgage offering, both expected to launch later this year.

With its reward card ambitions, Revolut isn’t just adding another product — it’s signaling a broader intention to rival traditional banks on every front, including where they’ve historically held the advantage: customer loyalty.

Dictionary.com Names ‘Maxxing’ Its Word Of The Year For 2026

Dictionary.com has named “maxxing” its Word of the Year for 2026, reflecting a growing online trend of optimising almost every aspect of life, from health and appearance to work and leisure.

The choice follows last year’s selection of “6-7”, a phrase popularised by younger internet users. Unlike that expression, “maxxing” has spread beyond niche online communities into everyday social media language.

From “Looksmaxxing” To Mainstream Usage

Derived from “maximising”, “maxxing” describes doing something to the fullest or optimising it as much as possible. According to Dictionary.com, its roots lie in phrases such as “maxing out” a credit card and gaming terminology.

During the 2010s, the term gained traction in manosphere and incel communities through “looksmaxxing”, referring to efforts to improve physical attractiveness through fitness, grooming and, in some cases, more extreme measures.

The word later became associated with controversial manosphere influencers, including livestreamer Braden Peters, known as Clavicular, who promotes an intense focus on male appearance.

A Broader Meaning

Younger social media users have since expanded “maxxing” beyond its original associations. Searches for the term surged in August as it became a label for everything from wellness routines to workplace habits. It is also used ironically to poke fun at the pressure to constantly improve.

“Maxxing is the linguistic manifestation of a culture increasingly preoccupied with getting the most out of everything,” said Steve Johnson, director of lexicography for Dictionary Media Group at IXL Learning.

Johnson noted that the term can signal enthusiasm for self-improvement, exaggerate it for humour or reject the idea of constant optimisation altogether. Examples include “proteinmaxxing” at breakfast, “tokenmaxxing” with AI tools at work and “cozymaxxing” on a Friday night.

The Many Forms Of “Maxxing”

The term has generated numerous variations. “Softmaxxing” refers to relatively modest appearance improvements, such as a new haircut, while “hardmaxxing” describes more extreme approaches, including severe dieting or cosmetic procedures. “Jestermaxxing” involves using humour to gain social acceptance or online attention, while “sleepmaxxing” focuses on improving sleep quality or duration.

These variations show how the language of optimisation has spread across personal identity, health, social status and leisure.

The Pressure To Do More

The popularity of “maxxing” also reflects a wider tension between self-improvement and the expectation to make every activity more productive. In the workplace, “tokenmaxxing” describes employees being encouraged to use AI tools as much as possible, turning technological adoption into another measure of performance.

The term captures a culture in which ordinary activities can become opportunities for measurable gains, even as some people use the language to question that pressure.

Other Words On The Shortlist

Other candidates for Dictionary.com’s 2026 Word of the Year included “affordability”, “data center”, “odyssey” and “unc”.

Interest in “odyssey” may have been boosted by Christopher Nolan’s film The Odyssey, while “unc”, short for “uncle”, is used by Gen Z and Gen Alpha to describe someone older who is perceived as out of touch or uncool.

“Maxxing” ultimately stands out for capturing a defining online impulse: to optimise everyday life, share the process and keep striving for more.

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