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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 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

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.

SPECIAL OFFER: The sign-up bonus on the Virgin Atlantic Reward+ Mastercard is doubled to 30,000 Virgin Points if you apply by 2nd October. You receive 15,000 Virgin Points with your first purchase and a further 15,000 points if you spend £3,000 within 90 days. Apply here.

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

30,000 points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

30,000 bonus points (SPECIAL OFFER TO 2ND OCTOBER) 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 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

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 and no annual fee Read our full review

Comments (177)

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

  • Wilf says:

    How do they make any money from doing this?

    • Rob says:

      Not a top priority at the moment it seems. They have many millions of VC investment to spend before it becomes a problem. We like working with companies like this on HFP 🙂 Nutmeg is another case in point ….

  • Genghis says:

    Indeed. They say cash withdrawals should be c.20% of purchases

  • Hugh says:

    Can this be used to make payments into a bank account? I make regular weekly payments by bank transfer to self employed carers who look after my mother. Racking my brains to figure out how I could do this on a debit card!

    • TGLoyalty says:

      Monzo or Revolut?

      • Hugh says:

        I have a Revolut card. I can pay someone through the Revolut app but don’t see how I could push that through the curve card to get points.

        • Tom1 says:

          Can you top up your revolut account with your curve debit card?

        • Hugh says:

          If you can use curve to top up another account such as Revolut that would be a way to do it but I suspect this is not allowed.

        • Alex W says:

          I tried to top up revolut with curve but it was declined.

    • Chris says:

      Get a Starling bank account, can top up £250/day using debit card and then pay people from there

      • Genghis says:

        And what’s the advantage of this over just doing a bank transfer?

  • totaltool says:

    have never seen the physical card so apologies if this is a daft question. does this come with a 16 digit code and three digit security code so i could order stuff on line? ditto re sort code and account number. thanks.

    • Genghis says:

      Yes you can make payments online. Curve is not a bank. There is no sort code or account number.

    • paulm says:

      Yes has 16 digit number and security code. Also shows an account number, no sort code

  • ColinJE says:

    Very useful with HMRC now they won’t take credit cards.
    Probably worth mentioning that you lose Section 75 cover if you use the Curve card to pay for goods or services rather than a credit card.

  • Kazim says:

    Have had the curve credit card since the launch last year. Asked to have it changed to the curve debit in order to purchase currency online. Tried using it in the travelex website and was told it was not accepted due to its country of issue?!

  • Carl says:

    in a massive 40k+ queue

    No idea how long I have to wait for this.

    • Rebecca says:

      I went down the queue in a week. However its been two weeks since my card was ready and its not arrived yet.
      Hopefully arrives soon as I’m moving house and have lot of debit card only payments to make with solicitors etc!

      • Liz says:

        You have to add a card to your app before they send the card. My hubby got an email saying they were ready to send the card but it was never arriving in the post. I emailed them and they said you need to add a card before they will post it.

        • mark2 says:

          I made the same mistake. Once I added one it came very quickly.
          But not sure it was worth the effort!

  • DJ says:

    Can it also be used to pay bills such on barclays card or amex?

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

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