Maximise your Avios, air miles and hotel points

An update on Curve – you receive £10 credit when you are referred

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(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.

Curve prepaid MasterCard

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? – April 2024 update

If you are looking to apply for a new credit 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 with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

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.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 bonus points 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:

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

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Business Rewards Visa

Huge 30,000 points bonus until 12th May 2024 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.

Barclaycard Select Cashback Business Credit Card

1% cashback uncapped* on all your business spending (T&C apply) Read our full review

Comments (116)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Greg says:

    May have been answered. But would PayPal pick this card up as debit or credit. Was thinking of sending rent to my landlord via PP using the Curve with a recharge to Amex – purely for the 1000+ points per month. PP charge for credit but not debit.

    • harry says:

      It hasn’t been answered/ tested. Same situation with payments to HMRC. Seems more likely to be picked up as a credit card payment as the shell is that of a pre-paid MasterCard.

  • Aeronaut says:

    I can’t see Curve lasting using the current modus operandi for that long… cash advances treated as purchases (even with a fair usage limit), it’ll surely prove too good to be true! And Amex won’t be pleased if this really takes off – as a retailer, why bother accepting Amex… etc etc etc. And this seemingly lightly policed approach to what constitutes a business customer rather than a consumer in order to get around the new EU interchange fee rules just sees rather too transparent a dodge. Still, everyone enjoy it until the house of cards comes tumbling down!

  • Julie K says:

    Would this work with an affiliated Lloyds Avios Amex or just the standard cards

    • Alan says:

      Should be fine with the Lloyds issued ones too although obviously for international transactions it’d cost you 1% more (rather than 2% less with the Amex issued cards)

  • Oleg says:

    I couldn’t see anywhere to use a referral code, but I did click in through your link

  • nerd. says:

    Anyone with this card – is it contactless? I’d be tempted to pay £35 just to be able to charge stuff to my Amex contactlessly since about the only places that allow this ‘natively’ are TfL, Boots and Pret.

  • Simon Schus says:

    Some information about Curve that they emailed me today:

    “All of our users are initially in Group 0. Over the next few months, you should automatically move into Group 1, based on your usage patterns and risk scoring, but it takes about 2 – 4 weeks of constant usage of the card…

    After passing such checks and 2-4 weeks passing, it will increase your limits, and will allow you to pay at automatic petrol forecourts.

    The current set spend limits for the Curve card are as follows:

    £2000 per single transaction
    £3000 per day
    £5000 per month
    £200 per single ATM withdrawal”

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This article is closed to new comments. Feel free to ask your question in the HfP forums.

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