Maximise your Avios, air miles and hotel points

Why Curve Card is a no-brainer for UK air miles and points collectors

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Curve Card, the free Mastercard that allows you to merge all of your Mastercard and Visa cards into one product, has added an extra benefit – cashback rewards for new cardholders for three months.

This replaced the original rewards scheme offered during the beta phase.

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

What is Curve Card?

Put simply, every purchase you charge to your Curve Card 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 all of your Visa and Mastercard credit cards and then switch between them at will.

Curve Card is a debit card.  You can use it anywhere where a debit card is accepted – even places where credit cards are not accepted.  This includes paying HMRC as I showed here.

This is why Curve Card is worth having:

You make your debit card purchase using Curve Card

Curve recharges it to your linked Visa or Mastercard credit card

It goes through your linked Visa or Mastercard credit card as a purchase

It therefore earns points from your linked Visa or Mastercard

You have just earned credit card points from making a debit card transaction

And the best bit is that Curve Card is free.  In fact, it is better than free – Curve Card will pay you £5 for taking it out.

It actually gets even better, due to two additional Curve Card benefits:

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 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.

And now a rewards scheme too

Curve Card has recently launched a rewards scheme for new customers. 

For the first three months, it will pay you 1% cashback on your purchases as three retailers of your choice.

The retailers you can choose from include:

Tesco, Waitrose, Sainsburys, Starbucks, Caffe Nero, Pret A Manger, EAT, Deliveroo, Just Eat, Boots, GAP, H&M, Top Shop / Topman, ASOS, Zara, Ikea, House of Fraser, TFL, Gett, Virgin Trains, BP, Shell, Netflix, Spotify and more

If you pay £50 for Curve Premium – which I don’t recommend as the extra benefits are few – you can earn 1% back at six retailers instead of three and get access to a wider range which includes:

Amazon, Ocado, Apple, Selfridges, Whole Foods, Uber, easyJet, Four Seasons Hotels, Dishoom

Card limits

Before you too get excited, it is important to note that Curve imposes some limits on what you can spend.  Don’t think that you can instantly pay a huge VAT bill with it.

The maximum spending limit is £3750 per day, £20000 per month and £50000 per year.  As a new cardholder, you are likely to be capped at £2000 per day and £20000 per year.   This limits will increase as the company grows to trust you.

The other warning to note is that purchases with Curve Card do not get you Section 75 coverage in case the retailer goes bust.  This is because there is no direct contract between the card company and the merchant, as Curve sits inbetween.  However Curve does use Mastercard Chargeback for customers to claim on lost goods.

How to order a Curve Card

The Curve Card is FREE so there is no harm in trying it out.

(I am understating the case massively.  If you pay any bills which take a debit card but not a credit card, you would be crazy not to pay them with a Curve Card linked to a rewards Visa or Mastercard.  Similarly, if you withdraw cash from ATMs it is no-brainer to use a Curve Card for the first £200 per month as it will be treated as a points-earning purchase on your linked credit card.)

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.

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


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

If you are looking to apply for a new credit or charge card, here are our September 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.

The following offers will end soon:

  • 2,000 Virgin Points on Virgin Atlantic Reward Mastercard (ends 15th October)
  • 30,000 Virgin Points on Virgin Atlantic Reward+ Mastercard (ends 15th October)
  • 10,000 Avios on British Airways American Express (ends 2nd November)
  • 40,000 Avios on British Airways American Express Premium Plus (ends 2nd November)
  • 60,000 points on The Platinum Card from American Express (ends 2nd November)
  • 30,000 points on American Express Preferred Rewards Gold (ends 9th November)

Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up, no annual fee and an Economy 241 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 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 – 30,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards credit card

Virgin Atlantic Reward Mastercard

The UK’s most generous free Visa or Mastercard at 0.75 points / £1 Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

30,000 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

60,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios 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

Comments (178)

  • William Kerr says:

    Trust Pilot reviews worth reading too – most seem very pleased…

    https://uk.trustpilot.com/review/imaginecurve.com

  • Froggitt says:

    Applied Saturday, 40,000 in the queue ahead of me. Card arrived lunchtime today (Tuesday).

  • joeB says:

    Rob, I think you should point out that section 75 protection is lost with this card. This is definitely something which people should be aware of when using this card over your regular credit card.

  • Big Dave says:

    I’ve had quite a few free beers with my code being posted here and there (‘AmcEn’ thanks) so I can’t begin to fathom the unlimited, and well deserved I might add, free beer Rob must be getting !

  • Mike says:

    I tried to add a credit card and verify it today (HSBC World Elite) and it failed and within minutes I got a call from HSBC saying my card had been compromised and they were cancelling it!

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