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.

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.

If you want to give Curve a try – and they will pay you £5 for trying it out if you use my referral code – full details are in this HfP article.  You will need a smartphone to use it.


Want to earn more points from credit cards? – August 2021 update

If you are looking to apply for a new credit or charge card, here are our August 2021 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. Here are the other top current deals:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee 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 offers.

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

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 and no annual fee Read our full review

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