(EDIT: Curve has changed a lot since this article was published. Please do not rely on the information here. Instead, please click here to read our detailed 2020 Curve review, which includes a link for a free £10 credit when you sign up.)
On Thursday I ran a long article about Curve. This was, I think, the most-read article ever on HfP – it was certainly the most-read article on the day of publication.
Curve has a number of fascinating features. Most relevant for our market, it allows you to pay for anything where a Mastercard is accepted and have it recharged – as a purchase – to an American Express card.
Even cash withdrawals are recharged, as a purchase, to your Amex. I have been testing the card for a few days and I can confirm that this works perfectly.
Let me repeat this bit – you can buy something using the Curve card at a retailer which only accepts Mastercard, or even make a cash withdrawal at an ATM, and it will be re-charged to your American Express card (or a Visa or Mastercard) as a purchase. It will earn miles and count towards any sign-up bonus. It also works abroad, even on overseas cash withdrawals.
I have been taking part in the Curve pilot programme and I can confirm that the card does everything that it says.
The cost of the basic Curve card is £35. There is a £75 premium version but I don’t know enough about the benefits to recommend it at this time. This is a one-off fee, not an annual one.
What I didn’t know on Thursday is that, if you used my referral link to apply, you will receive a £10 credit into your Curve account. This means that the net cost of joining up is only £25 and not £35. The £10 is credited once you make the first transaction on your card.
If you haven’t signed up and are still interested, you will find full details and my referral details in the article from Thursday.
My referral code, if it doesn’t track automatically, is oqb4J. It is a letter and not a zero at the start.
Note that Curve is targetted at the business market and you should have some sort of freelance / self-employed / SME income or involvement (although not necessarily full-time) in order to apply.
Want to earn more points from credit cards? – June 2022 update
If you are looking to apply for a new credit or charge card, here are our top recommendations based on the current sign-up bonuses.
In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards.
Until 18th July 2022 there is an astonishing special offer on these cards. You get 50,000 Avios on the Avios Plus Mastercard and 10,000 Avios on the free Avios Mastercard. You can apply here. We strongly recommend getting the Avios Plus card whilst this offer is running.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
SPECIAL OFFER: The sign-up bonus on Amex Gold is increased from 20,000 Membership Rewards points to 30,000 Membership Rewards points until 19th July 2022. This card is free for the first year.
British Airways American Express Premium Plus
25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review
The Platinum Card from American Express
30,000 points and an unbeatable set of travel benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
15,000 points bonus and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:
American Express Business Platinum
40,000 points sign-up bonus and a long list of travel benefits Read our full review
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
British Airways Accelerating Business American Express
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
Capital On Tap Business Rewards Visa
10,500 points bonus – the most generous Avios Visa for a limited company Read our full review
For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.