Curve Card launched Apple Pay integration yesterday.
This means that, at last, you can add your Curve Card to your iPhone or Apple Watch.
Whilst this was a slightly odd missing feature – Google Pay has worked with Curve for some time – it is also fair to say that it isn’t necessarily a key one. The key selling point of Curve Card is that you can consolidate all of your existing credit cards onto it, meaning that you don’t need to carry them all around. This isn’t a problem with Apple Pay, since you can add all of your existing cards anyway and it doesn’t make your phone any heavier!
The only obvious upside is if you have a Visa or Mastercard which does not work with Apple Pay. You can now get around this by linking it to a Curve Card. The same goes for any card you may have which does not support contactless payment, as Curve Card is contactless. You can also route foreign currency payments via Curve to avoid the 3% FX fee on your underlying card.
You can learn more about Curve Card in our main reference article here. Curve Card is FREE and, indeed, they will pay you £5 for trying it out if you use our referral code which is in that article.
PS. As regular readers will know, you can no longer use Curve Card to pay HMRC for free. Unless you have Curve Metal at £14.99 per month, Curve now adds a 1.5% fee to your HMRC transactions. In virtually all scenarios, this means that it makes no sense to use Curve to pay your tax, even though you will receive receive points on the underlying Visa or MasterCard you link to Curve.
There is no Mastercard or Visa where the points are worth 1.5%. You could make a case for the Virgin Atlantic Reward+ Mastercard which earns 1.5 miles per £1, so you are ‘buying’ miles at 1p, but I still see that as a bit toppy.
And yet, as you can see below, Curve is now actively advertising on Google (bidding against the phrase ‘HMRC’) the ability to use it to circumvent the rules banning credit card payments! Very odd.
Want to earn more points from credit cards? – November 2020 update
If you are looking to apply for a new credit or charge card, here are my November 2020 recommendations based on the current sign-up bonus.
British Airways American Express
5,000 Avios for signing up, no annual and a companion voucher for spending £20,000 Read our full review
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
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
The Platinum Card from American Express
30,000 points and an unbeatable set of travel benefits – for a fee Read our full review
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:
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
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
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
Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history. By recommending credit cards on this site, I am – technically – acting as a credit broker. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.