Maximise your Avios, air miles and hotel points

An update on using Curve Card to pay HMRC / Inland Revenue

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We wrote recently about how Curve Card looks like it could be a replacement way of earning miles and points from HMRC now that HMRC refuses to take credit cards.  The article is here.

Curve Card is a debit card which recharges your transactions to a linked Visa or Mastercard credit card, with no fees in the UK.  This has a lot of potential for earning miles and points at places where only debit cards are accepted, like HMRC.

When I wrote our latest article on Curve I didn’t expect cards to arrive in time for the January tax bill deadline.  Quite a few did, however, but some readers found that Curve did not want to process their transactions.

Curve will pay you £10 for trying it out if you use our link.

This is what the Curve team told me last week, which to be fair is also what they say on their site:

“When new users sign up and try to make a first payment of multiple thousand pounds (e.g. we’ve had well over £10k as a first attempt), it triggers our fraud engine. Understandable, I hope. This results in declined payments and that’s not the experience we want to provide. We have limits that increase over time (ie. with regular spending activity) in line with user risk profiles, so for some existing cardholders the payment has worked.”

As I wrote in the article, I paid £1750 in one transaction with no problems.  Your Curve usage limits also increase with use – a new cardholder may get a £15000 annual cap, whilst I have £50000 for example, having had a card for a year or so.

If you do pay self assessment, the best thing to do is to use your Curve Card for some general Visa and Mastercard spending over the next few months to build up your profile.  You will then be in a good position to use Curve to settle your 31st July tax bill.

One other thing to note – some people are still receiving the pre-paid Mastercard version of Curve.  If it doesn’t say ‘Debit’ on the front and you specifically want to use yours at places like HMRC, contact Curve via the app and they will replace your card with a debit version.

Curve will pay you £10 for trying it out if you use our link.


Want to earn more points from credit cards? – February 2023 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

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

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £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.

SPECIAL OFFER: Until 21st February 2023, the sign-up bonus on the British Airways Premium Plus American Express card is increased to 35,000 Avios from 25,000 Avios. You can apply here.

British Airways American Express Premium Plus

35,000 Avios (ONLY to 21st February) 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

30,000 points and unbeatable 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 £200 Amex Travel credit every year 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

Get a 10,000 points bonus plus an extra 500 points for our readers 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 credit card

1% cashback (3% for 3 months if you apply by 31st March) and no annual fee Read our full review

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