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Curve Card relaunches – charge ANY debit or credit card payment to your American Express

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Curve Card launched its new subscription plans on Monday – and it is very interesting, to say the least.  It is also a major departure for Curve as it tries to create a sustainable business model.

From today, if you are a Curve customer in the UK, you can use a Curve Mastercard to pay for anything and have it charged to any American Express card you own.

(UPDATE:  American Express withdrew from Curve shortly after this article was published! Unless you want to read this article for a history lesson, I suggest that you click here to read this 2020 article instead which explains how Curve currently operates, without American Express.)

Even merchants who only accept debit cards, such as HMRC, can be used with Curve.  Your tax payments can now go through your Amex card.

When you top-up your Curve card with an Amex, it will go through as a purchase.  This means it will earn you points on your American Express card and count towards any spending target such as the British Airways American Express 2-4-1 voucher.

The only exception is that you are not allowed to use your Curve Card to pay a credit card bill, unless your Curve Card is linked to a debit card.

Importantly, you CANNOT have ATM withdrawals charged to your Amex card.  You can have ATM withdrawals charged to most Visa or Mastercards as a purchase, unless you are a Tesco Bank or NatWest / BoS credit card holder, as long as you remain within Curve’s ‘fair use’ guidelines.

To summarise what Curve will now cost you:

The basic Curve Card remains FREE – in fact Curve will pay you £5 for trying it out if you use my referral code of OQB4J

Curve Black costs £9.99 per month and allows £1,000 per month of free American Express top-ups (0.65% thereafter)

Curve Metal costs £14.99 per month or £150 per year and has unlimited American Express top-ups, a choice of three cool metal cards to choose from and some travel and insurance benefits

What is Curve?

Let’s start by saying what Curve isn’t.

Curve is NOT a bank account.  It is NOT like Revolut, Monzo, N26, Starling or Monese.  If you take out a Curve Card you are NOT getting a ‘current account on a card’.

Curve is simply an intermediary card, a card (a Mastercard) to which you can link all of your existing payment cards, whether they be debit or credit, Visa, Mastercard or American Express.

Via the Curve app you can select which linked card you want to use at any particular time.  Curve transactions are automatically recharged onto that card.  Even if a shop does not accept American Express or even credit cards at all, you can pay with your Curve Mastercard, which is a debit card.

Transactions are processed in two different ways:

If you have a Visa or Mastercard linked to your Curve Card, any transaction you make is automatically recharged to the relevant Visa or Mastercard by Curve.  Your card statement will show as ‘CRV*XXXXXX’ with XXXXXX being the name of the original merchant.

If you have an American Express linked to your Curve Card, you need to use the app to load funds from your Amex card into an e-wallet.  Purchases are then debited against the balance in your e-wallet.  All you will see on your American Express statement is a series of charges (treated as purchases) for funds uploaded to your e-wallet.  You can enable ‘auto top-up’ to automatically fill your e-wallet – rounded up to the nearest £100 – if you do not have enough money in your e-wallet at the point of purchase.

Curve has some other unique features:

Cash withdrawals are charged as a PURCHASE.  Yes, a £200 cash withdrawal on your Curve debit Mastercard will be recharged as a £200 purchase to your linked Visa or Mastercard (not Amex).  This is FREE but there are limits on cash withdrawals based on the Curve Card variant you have.  Note that Tesco Bank and NatWest / BoS do NOT allow credit card holders to make free cash withdrawals via Curve and other banks may follow in time.

Overseas purchases are converted without an FX fee during Monday to Friday (except for free Curve Blue which is capped at £500 per month of free FX transactions with a 2% fee beyond that).  This is a better deal than using a separate free ‘no rewards’ credit card with 0% FX fees because you still earn rewards on the underlying linked card.  On weekends and UK public holidays, a 0.5% fee is added for € or $ transactions and 1.5% for other currencies.

Before we go on ….

Whilst the ability to recharge all of your Visa and Mastercard debit and credit payments to American Express is clearly great, you should do the maths before deciding whether to get a paid Curve Card instead of the free Blue version.

How much money do you spend each month at places which do not accept Amex but do accept Mastercard debit cards?

Council tax is an obvious possibility, along with some utility bills.  The big winners are people who pay HMRC, whether that is for PAYE, self employed income tax and NI or VAT.  Even then, you will need to work around Curve’s daily, weekly and monthly payment limits which get higher as you use the card.  This will require you to break down large tax bills into numerous instalments.

Note that you cannot use Curve to pay a credit card bill.

You also need to think about how much money you spend abroad which could be recharged to an Amex.  If you currently use a 0% FX fees card with no rewards, you will be better off with Curve because of the rewards earned on the card your purchase is recharged to.

If you currently use an Amex card abroad and pay the 3% FX fee, you can now save all of that.  Note that Curve imposes a 0.5% fee for $ and € FX transactions (1.5% for other currencies) on a Saturday and Sunday which could be troublesome, especially if you check out of a hotel on a Saturday with a large bill to pay.

What are the Curve Card limits?

Irrespective of the limits on your underlying cards, Curve has its own daily, monthly and annual limits.  Your limits are increased as Curve begins to ‘trust’ your behaviour.

These are the maximum limits you can get:

Daily spend (inc ATM withdrawals) – £4,500
Daily ATM withdrawal cap – £1,000
Monthly spending limit (on a rolling 30 day basis) – £120,000
Annual spending limit – £1,400,000

This should cover even the highest tax bills.  As I said, though, you have no chance of being given a limit anywhere close to this on Day 1.  The limit you get is not linked to the type of Curve Card you use.

What are the three different types of Curve Card?

In this part of the article I will review the new Curve Metal product, as this is the one which is the most striking and has the most benefits.

Part 2 of this article covers Curve Black and the free Curve Blue.

What are the features of Curve Metal?

The Curve website compares the free different types of Curve Card.

Fee: £14.99 per month, or £150 annually (if you pay monthly and cancel or downgrade within six months, a £50 cancellation fee will apply)

Card:  Funky 18g brushed metal card in red, blue or rose gold.  I have been trialling the blue one and it is a bit boring to be honest so I’d recommend one of the others.

Availability:  UK residents only

Amex usage cap:  None and no fees

Foreign exchange fees:  Unlimited transactions with no fee (0.5% fee $ or € and 1.5% fee for other currencies applies to transactions made on a Saturday or Sunday)

ATM withdrawals:  Overseas: £600 per month for free, 2% thereafter (can only be charged to a Visa or Mastercard) / UK: 10 free withdrawals per month (max £200 per day, fair use policy applies), 50p fee thereafter

These are the key benefits.  There are other benefits which I do not value highly but which some readers may find useful:

Travel insurance underwritten by AXA  (this looks OK with an age limit of 70, although the rules are stricter than many policies in terms of, for example, sports you may not play on holiday)

Gadget insurance (maximum value £800 with a £50 excess)

Car rental CDW waiver coverage  (I have this via Amex Platinum but if you do hire cars and don’t have a standalone policy this will be worth something to you – the car must be worth under £25,000 however)

Airport lounge access via LoungeKey (this is NOT free access, you will need to pay a fee of around £15 per visit)

1% cashback from six premium retailers for the first 90 days of membership.  This is on top of the rewards you will earn from your underlying card.

This card has the possibility to be VERY attractive to Head for Points readers.  Let’s look at a couple of key areas:

Your ATM withdrawals (10 per month in the UK for free, £600-worth per month in foreign currency) will earn you miles and points on any underlying Visa or Mastercard.  This will also count towards spend-based bonuses on those cards.  This can offset a lot of the annual fee.

You can charge all of your foreign spending to a miles or points earning card – including an Amex – whilst paying 0% FX fees, which should lead to a sharp increase in your points earning (0.5% fee $ or € and 1.5% fee for other currencies applies to transactions made on a Saturday or Sunday)

You can charge some day-to-day debit card spending to Curve and turn it into spend which earns miles, points and ‘spend-related target bonuses’

If I can get a high enough limit on my Curve Card, for example, I will able to charge my six figure PAYE, VAT and personal tax bills to my BAPP American Express card.  This will be a major boost to my Avios earning.  It also opens up the possibility of hitting spend targets such as the £37,500 of spend required on the IHG Rewards Club Premium Mastercard to be given top tier Spire Elite status.

Is Curve Metal worth £2.50 to £5 per month more than Curve Black?

That’s a good question.  If you pre-pay for Curve Metal at £150, the difference in cost is only £30 per year or £2.50 per month.  For your extra £2.50, you get a snazzy metal card plus:

  • Unlimited Amex usage (Curve Black is capped at £1000 per month for free and charges 0.65% afterwards)
  • CDW car rental insurance (not part of Black)
  • £600 vs £400 of free overseas ATM withdrawals (this in itself is worth £1 or so in extra Visa or Mastercard rewards)
  • Travel insurance includes lost baggage and personal belongings (Curve Black does not)
  • No ability to pay £15 per visit for LoungeKey airport lounge access

On this basis, I think Curve Metal justifies the small extra fee.  However, for many HfP readers the free Curve Blue card will be enough as I show in Part 2.

In Part 2 ….

In my second article today I will review Curve Black and the free Curve Blue.  Click here to read it.

How to apply for your Curve Card (free if you choose Blue)

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


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Want to earn more points from credit cards? – December 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

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You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

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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.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

Huge 80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points 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

50,000 points when you sign-up 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 Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Business Rewards Visa

10,500 points (=10,500 Avios) and NO FX fees Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios 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 when you spend at least £2,000 per month.

Barclaycard Select Cashback Business Credit Card

Get 1% cashback when you spend at least £2,000 per month* Read our full review

Comments (576)

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

  • Sergey says:

    Is Black for 50 GBP one-time payment removed?

  • Mikolaj says:

    Hmmm… How about the existing Black users? We have been promised a one-off fee when signed up. Will this change now?

    • John says:

      Read the comments on recent Bits articles. Basically you get new black for free for 6 months then you can go back to old black if you don’t want to pay, which has no Amex free limit

      • Rob says:

        The rules say 3 months. I have seen the forum discussion saying 6 months but the T&Cs are specific about 3 months.

        • Mikolaj says:

          Indeed, just found it and posted as self-response :).
          I suspect the original T&C were formulated in a way, so they could easily change it… That equals bad customer experience…

        • John says:

          Email from Curve to beta users said 6 months

        • Alan says:

          Beta users get 6/12, non-beta but existing Black get 3/12.

    • Mikolaj says:

      Huh, found it in the T&C. Not looking like Curve was honoring our initial deal….

      In case of a user who has a Curve Black card issued on or before the 28th January, 2019 you will be provided a fee-free subscription period of 3 months of Curve Black Services, and your first Curve Black Subscription payment will be charged on 28th April, 2019 on the card that you have chosen in the Curve app.

      • Nic says:

        … unless you write to their customer service before the 28th of April and request to revert back to the original Curve Black agreement. For those customers, their original agreement (“legacy services”) will be honoured. See T&C point 4.2.3.

      • Grant says:

        Agreed. This is a last minute change to the T&Cs as I understand it to appease Beta users who understandably wanted some reward for participation. Beta users get the 6 months free trial on new Black or 4 months on Metal. Everyone else is 3 and 2 months, respectively.

        • Grant says:

          Sorry – I’ve now read this on Curve Community. Business decision to half the trial periods but as recognition of the efforts from Beta users they retain the ‘original’ trial periods…

          “Current Curve Black cardholders will be given a grace period of 3 months with the new Curve Black or 2 months of Metal. Our Beta Testers have done a tremendous effort helping us become ready for launch and will be given 6 months with new Curve Black and 4 with Curve Metal.

          We wanted to act swiftly based on your feedback suggesting the grandfathering option, which was added to the originally intended grace period. After weighing the customer and business impact of the grandfather option, we have decided to change the grace period duration to 3 months of new Curve Black and 2 with Metal. We sincerely hope that this will give you enough time to make an informed decision on whether you would like to continue with subscription or become grandfathered.”

  • BigSi says:

    How can I use you referral code when signing up for Curve Metal? I just tried and didn’t see the option anywhere, and now I am signed up!

  • Waddle says:

    So I enrolled in the beta last week and tried to add my Amex. It’s asking me to verify by checking my statement and inputting a C-XXXXX code which I had to do when I added my World Elite months ago. Problem is I see the transaction and refund of £0.19 from Curve in my Amex account but there’s no sign of the code. Am I the only one here? Has anyone else had this issue?

    • John says:

      I needed the C-XX codes with new Visa/MC cards, but I added another Amex this morning and it asked me to enter the amount (i.e. your 19p) rather than a C-XX code

  • Artem says:

    If I request an upgrade to Metal – will it arrive before 31 Jan HMRC deadline? Or will the current card be treated as Metal until the new card arrives?

    • MD says:

      It’s your account which matters, not the actual card. I’ve upgraded to metal and my account says that in the app, but the metal card hasn’t arrived yet. Still using my old card and it works fine, appears to be functioning as metal.

      • Nate1309 says:

        As soon as you click upgrade your account changes and your old card has the new benefits. Can confirm 100% as this is what I did last week to pay HMRC

  • Sprout7 says:

    Anyone know if you can add your partner’s card to your Curve card? If not, I guess supplementary cards are OK?

    • John says:

      It says card must be in your name, we know that Amex generally doesn’t check the name, but if you do have a supplementary in your name you might as well follow the rules

    • Rob says:

      No. Supps should be OK though, I’d guess?

    • MarkH says:

      Yes you can. My wife has a Visa, MS & Amex in my name linked to her curve and works fine.

  • Mark says:

    Not sure I’ll use the amex option. I’ve been using curve with the Virgin Mastercard instead,

  • Kilburnflyer says:

    Can this be used as a way to pay HMRC? (and thus get Avios/hit spend from tax bill?). So potentially one could sign up for the £14.99/month “metal” card and charge £X,000 to it onto an amex with no additional fees?

    • John says:

      Yes, as described in the article… and mentioned in the comments every day for the past few months

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

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