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Curve Card is now available to the public as a debit card

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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 2019 Curve review, which includes a promo code for a free £5 credit when you sign up.)

Curve Card, the Mastercard that allows you to merge all of your Mastercard and Visa cards into one product, launches to the general public today.

It had previously been available only to anyone who had self-employed income.  It had a generous cashback rewards scheme despite being free because it could charge higher fees to retailers.

The consumer version will be less generous, because Curve does not have any fee arbitrage to play with.  There will be a rewards scheme available soon, however, and I will let you know when it launches.

Put simply, every transaction you charge to Curve is recharged to a linked Visa or Mastercard.  Via the Curve app you can select which card is charged per transaction, allowing you to add your debit card and various Visa and Mastercard credit cards and then switch between them at will.

Financially there are two reasons to use Curve:

You can withdraw £200 of cash per month from an ATM and have it charged to your credit card as a purchase – this means it earns miles and points. 

Foreign currency transactions made on Curve are recharged to your linked Visa or Mastercard in Sterling with a 1% foreign exchange adjustment.  This makes it a better deal than using the underlying card which is likely to have a 3% FX fee.

There will, soon, be a rewards scheme of some sort

There are more practical features too, such as the ability to export your spending data for analysis and the ability (as I found out myself in November when I lost my wallet) to lock the card from your phone.  As Curve is contactless, it is also a way of making any non-contactless Visa or Mastercard you have into a contactless one.

The Curve website is here if you want to know more.  You need to download the Curve app for your phone and order a card from there if you want to try it out.

If you use a refer-a-friend code when you sign up – my code is OQB4J – you will receive 500 Curve Rewards points.  These are worth £5 off any purchase made with your Curve Card.


Want to earn more points from credit cards? – November 2020 update

If you are looking to apply for a new credit or charge card, here are my November 2020 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here.

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

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

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending 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:

American Express Business Gold card

American Express Business Gold

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

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

Earn both Avios and BA On Business points with your business spending Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Comments (114)

  • Lumma says:

    I lost my original curve card and was really impressed at how quickly they sent a replacement. They also sent me a black one and I seem to be getting the higher rate of rewards too. Not that I’m gonna complain about that…

  • JamesB says:

    Yes, hapily saved 40k on a 4 night stay at Mayfair booked in the final hours, would have preferred something nicer but there were problems with availability.

  • Jo says:

    Is it 200 per card or 200 per account for atm?

    • Lumma says:

      Account. You can withdraw more but you get charged 2% after the first £200

      • Ed says:

        Is that a 2% charge by Curve? As in, does it still record as a purchase on the underlying credit card?

        • Lumma says:

          Yes, so if you take a second £200 out they’ll charge your card £204 as a purchase. There’s a limit of £200 per day in ATM withdrawals though

  • Neil says:

    Does applying for Curve hit your credit file at all? It sounds like it shouldn’t as you don’t actually get credit from them, but with the amount of applications HFP readers likely do it’s worth knowing!

    • George says:

      Nope, I think they do a soft check to verify your identity but no account entries and certainly no hard scoring.

  • Andrew says:

    “You can withdraw £200 of cash per month from an ATM and have it charged to your credit card as a purchase – this means it earns miles and points”

    This reminds me of the famous Amex Travellers Cheque Card in about 2004 – which due your wisdon Rob saw me spend 10 minutes *every day* taking £300 off the card and paying it straight into my bank account using the same cash machine … 10k per month… I still have the letter from Amex advising me that my card was suspended as it “is not being used in the manner in which it is intended”

    Happy days….

  • Gulz says:

    Rob, do you know if the public version of Curve is recognised as a Business Credit Card with HMRC?

    • Rob says:

      They say it is a Debit MasterCard – if true that could be interesting for tax. It is not a Business Credit Card, you would not be allowed by MC to hold one if it was.

      • Lumma says:

        If it’s a debit MasterCard, what would stop you from paying the balance due on your credit card with it, with the same linked credit card each month and basically getting perpetual interest free credit?

      • Alex W says:

        Ooooh interesting 🙂

      • JamesB says:

        I think it depends on individual payment processing systems used by merchants. I have had it go through some like a debit card ok but last month I got declined by a merchant claiming it was a credit card. These were all online transacyions, not instore.

        • Alex W says:

          Do you mean the business version of Curve that you currently hold? I think Rob is suggesting the new consumer version of Curve will be treated differently, as a debit card. Here’s hoping. Or, at least that I can take advantage before the masses rinse it and it gets pulled.

        • Leo says:

          So does this mean it will go through as it used to do on Supercard….HMRC used to think that was a debit card.

      • the_real_a says:

        ummm lets see – the entity i suspect is “Mastercard Consumer Prepaid” since its technically a prepaid master card. The business curve is classified as “Mastercard Business Prepaid”

        What you guys are hoping for is “Mastercard Consumer Debit” which is typically reserved for banks.

        https://www.mastercard.co.uk/content/mccom/en-gb/about-mastercard/what-we-do/interchange.html/

        • Rob says:

          They are now debit cards, see the FAQ etc:

          What’s the difference between the Curve prepaid and Curve debit Mastercard®?
          Very little! Our debit cards work in exactly the same way as our prepaid cards and you shouldn’t notice a difference at all.

        • JamesB says:

          So if I am following this properly then we are potentially better getting the new consumer version of the card?

        • JamesB says:

          Liz, where are you… 🙂

        • Liz says:

          JamesB – see my note earlier today – I contacted them today and was told I am not on the very long wait list but it will be early Feb before I get my card and they reactivate my account.

        • Gulz says:

          I messaged curve yesterday. They told me that one card per customer. Since I have the business version of the card, they won’t give me the consumer version.

  • Harj says:

    What’s the fee for withdrawing from an ATM abroad using the business card? I thought it was 1% but it seems now that it may have changed to 1% plus £2 if it’s not in your home currency – or is that just the new personal card?

    • TGLoyalty says:

      From what I remember that’s always been the case for ATM withdrawals abroad.

      Tbh Lloyd’s Avios Amex or clarity for cash work best abroad. Just use the curve in places that don’t take AMEX as the rewards plus free night means the 1% charge isn’t so bad. Also UK rewards aren’t bad in M&S etc

  • AndyF says:

    Thanks Rob for the Curve referral code, I signed up for a new curve card a few days ago and used it!