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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.


best travel rewards credit cards

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.

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

Get 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.

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.

  • guesswho2000 says:

    Seems to be working as advertised. Amex options seems to be pretty sewn up in terms of which transactions are not possible, as Rob’s mentioned above.

    Are these transactions, which aren’t possible using the Amex wallet balance, still possible using Visa/MC as they were before, or are they now blocked entirely?

  • MrM says:

    The Collision Damage Waiver for rental cars on the metal looked interesting but disappointed on reading the details. The benefit is up to €25,000 and the car itself cannot exceed €35,000. I have received upgrades over the years from Avis and Hertz which would push me over this threshold.

    Chase over in the US have the best policy (I’ve been lucky enough to be both sides of the Atlantic with cards from both). They exclude a list of specific ‘exotic’ cars (e.g. Bentley), rather than putting a price cap. Not aware of anything that comes near this in the UK market, so I think you’re still best off going to Questor et al, unless you can rely on a corporate agreement with the rental company.

    • EwanG says:

      Agree. This is an areas where the Amex Platinum insurance provides better cover. How many rental staff will be able to accurately know the retail purchase price of the car? Unless you go for a ‘premium’ selection then you are unlikely to get the car you book.

  • Mr Dee says:

    I think 10k max per day would make more sense because if you have a 10k business expense that you can easily put on your Amex it is going to take 3 days with Curve and possibly 3 trips, not really a replacement for big spenders but its better than before,

    I am also very concerned about paying and then being stuck at their lower limits, so without my limits being firstly increased I won’t be upgrading to the metal card. If I get a decent limit of say 100k+ I will upgrade so will see

    • Mr Dee says:

      Clearly not going to majority of users I know

    • TGLoyalty says:

      I know it was original aimed at business users but I’m sure it wasn’t meant for your large expenses but day to day spend.

      Isn’t the £50k or £100k cap MasterCard imposed?

      • Mr Dee says:

        Would agreee apart from the 1.4m annual limit which most non business users won’t be spending….

  • Jon says:

    Don’t know about other car hire companies, but according to the T&Cs Avis Ireland (I know v specific!) charge 30 euros if you do not wish to purchase CDW insurance and instead place a holding deposit on your card.

  • Alid says:

    Metal seems to make sense for me. Ever since Amex My Essentials stopped have been looking for reasonable gadget cover. The £800 limit is sub-optimal however.

    Does anyone have experience of how that works with regards phones with an RRP greater than £800 – eg iPhone XS. Does that mean it isn’t covered, or that in the event of theft one could claim £800 towards a replacement?

    • Lev441 says:

      I was also thinking this also….. my iPhone and MacBook both worth more…

      • Rob says:

        You don’t get replacement cost. You get the 2nd hand cost based on how old your device is.

        • Lev441 says:

          Interesting. Think my business gadget cover from mobiru is more handy in this case – a pretty good repair and/or replace for laptop and instant replacement for phone.

        • Mr Dee says:

          Fair point you can probably knock 30% as soon as you buy a new phone

  • Jllibee3 says:

    Does applying to a Curve Card in anyway affect my credit score? I’m timing some Amex referrals quite soon and don’t want to jeopardise any previous ‘searches’ / new cards affecting the applications in any way?

    I’m assuming it’ll be similar to Revolut (in that it doesn’t affect / require a credit file search).

    Thanks,

    J

    • Grant says:

      I think one of the lines of small print at the bottom of the Cards page says no credit checks required.

  • Ranga says:

    Maybe a silly question, but is it worth paying the 0.65% for amex transactions to earn avios on the BA premium plus?

    Thanks

    • Grant says:

      Would you pay £65 for a 241 voucher?

      • Ranga says:

        Assuming you can already hit the voucher

        • Grant says:

          Would you pay 0.65p for an Avios point? Its one of the cheaper ways of getting them and assuming Avios is the only reward currency you are interested in, I would do it on the obvious proviso that you only use Curve with Amex underlying in the places that don’t take Amex outright. For me, that’s not many places these days.

        • Genghis says:

          Need to build in the opportunity cost of using your best MC. E.g. 1 avios / £1 from HSBC Prem vs 1.5 avios / £1 with BAPP.

          Not taking into account fees etc and 241, for ongoing spend with Curve and BAPP you’re paying 0.65% for 0.5 avios or 1.3ppa.

        • peete says:

          Genghis, I think HSBC Prem is 0.5 avios/£1, not 1 avois/£1…

        • Genghis says:

          I meant the WE card.

      • Anna says:

        Yes. With 3 of us travelling in school holidays, 150,000 avios plus £1300 ish gets 2 of us to the Caribbean in J. Economy seats are about £1000 each, J can be up to £5000 pp. £65 is definitely worth it.

        • Mr(s) Entitled says:

          Who do you make fly in economy while two of you enjoy J?

        • Polly says:

          The kid is put in economy, as they have to earn the right to fly J, as some celebrities advocate! Ha, sorry Anna, is that right?

    • Neil says:

      Surely if you are going to start buying avios for 0.77p, the fundamentals of the game completely changes. In my opinion, you are better off purchasing a business class ticket (During a sale) and earning avios / status rather than buying avios. Especially as availability over peak periods is hard to find. Let’s not forget about BA’s outrageous fees on redemption tickets.

      A BA 241 is also worthless unless you are avios rich

      • Doug M says:

        But the whole what is an Avios worth, how much did it cost thing is always subjective. You suggest the 18K MR rewards from a referral could be free, or they could be £81, they could also be quite a bit more if you factor in the £450/year you’re paying for the Amex to begin with. How you assign that £450 is equally debatable dependent on your additional value from it.

    • John says:

      If you are about to run out of avios and you absolutely know you definitely need some soon, then buying at 0.77p is OK

      But if you can get more than enough for your needs at 0.2p, why pay more than 0.2p?

      I simply use 0.6p for everything, if a flight is 10000 avios + £10 then I treat it as costing £70. If the paid flight is £76 and earns 1000 avios then it’s exactly equivalent (unless I need TPs). If the paid flight is £100 and earns 0 avios then I’ve made £30 profit.

  • JP says:

    Does using one of these cards void Section 75 protection or any other purchase protections offered by Amex?

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