Forums › Payment cards › Other payment cards › Curve Black Beta v Curve Investoer
-
Six years ago I signed up for the original Curve Black Beta commercial card. At the time I had a small business but this closed a few years ago. To be honest I had completely forgotten that it was a commercial card until very recently. For the last six-months the primary use for the card has been, (1) ATM Withdrawals (<£200 per quarter), Foreign Currency Transactions (on holiday), Shopping at Beta Cashback Retailers, and Shopping at Curve Rewards Retailers.
Two years ago I also signed up for the lowest investor package and received the Curve Investor Card (red – Personal Card), which I’ve never activated.
Now that I have no commercial use for the card, I am wondering whether I ought to activate the Personal Card. However,
– Will the underlying cards care whether the Curve Card is Commercial or Personal? (underlying cards are all personal).
– By activating the Personal Card will the Commercial Card stop working?
– Other than the Beta Cashback benefits, do I lose any other legacy benefits?I’d be interested in this communities thoughts/inputs before I make a decision.
P.S. I recently found out on a Laithwaites transaction that Beta Cashback (5% for Laithwaites) and Curve Rewards (20% for Laithwaites) stack. It also appears that TCB (3%) and Airtime (10%) have also stacked.
Here’s what I think is the case:
– Will the underlying cards care whether the Curve Card is Commercial or Personal? (underlying cards are all personal).
– Not really. If anything you’re probably better off with a personal card as some vendors perceive commercial cards as such and try to add a small surcharge. HMRC and Revolut are two that come to mind.– By activating the Personal Card will the Commercial Card stop working?
– Yes– Other than the Beta Cashback benefits, do I lose any other legacy benefits?
– The personal card comes with reduced limits compared to the commercial one, but nothing tragic. I should say that when you switch to the Investor product, there may be a fee attached to it, whereas legacy Black/Beta customers still get it for free (it was one of the reasons I didn’t want to switch)Here’s what I think is the case:
– Will the underlying cards care whether the Curve Card is Commercial or Personal? (underlying cards are all personal).
– Not really. If anything you’re probably better off with a personal card as some vendors perceive commercial cards as such and try to add a small surcharge. HMRC and Revolut are two that come to mind.– By activating the Personal Card will the Commercial Card stop working?
– Yes– Other than the Beta Cashback benefits, do I lose any other legacy benefits?
– The personal card comes with reduced limits compared to the commercial one, but nothing tragic. I should say that when you switch to the Investor product, there may be a fee attached to it, whereas legacy Black/Beta customers still get it for free (it was one of the reasons I didn’t want to switch)Thanks George
- You must be logged in to reply to this topic.
Popular articles this week:
New to Head for Points?
Welcome! We’re the UK’s most-read source of business travel, Avios, frequent flyer and hotel loyalty news. Let us improve how you travel. Got any questions? Ask them in our forums.
Latest Forum Posts
- Nordic_Moose on Amex Platinum insurance – MASTER THREAD
- AJA on Cancellation, downgrade, 2-1 voucher and re-route to different London airport
- pog2005 on Post your British Airways Premium Plus retention offers!
- Chas on Chat thread – Friday 29th March
- TGLoyalty on Amex have cancelled all my cards!
- AJA on Cancellation, downgrade, 2-1 voucher and re-route to different London airport
- fedemenni on New rewards available date meaning?
- TGLoyalty on Denied entry to contracted BA lounge in Phoenix
- AJA on Cancellation, downgrade, 2-1 voucher and re-route to different London airport
- davefl on BA car hire – recommended?
Check reward flight availability instantly for free!
Booking a luxury hotel?
Our luxury hotel booking service offers you GUARANTEED extra benefits over booking direct. Works with Four Seasons, Mandarin Oriental, The Ritz Carlton, St Regis and more. We've booked £1.7 million of rooms to date. Click for details.