Curve Card & Curve Rewards

use a curve card to earn curve rewards points
If you’re new to the Curve Card and Curve Rewards you may want to start by reading the original article, basics of the Curve card, for a full background (where you can also get a free Curve card with £5 credit). For those new to the concept of the Curve card it is essentially an ‘all in one’ card that lets you carry one card with you instead of many. Your existing debit and credit cards can all be linked to your Curve card, after which you can then use your Curve card to spend almost anywhere around the globe. At the end of last year Curve introduced their own loyalty scheme, Curve Rewards, where you can earn reward points on specific purchases (full details below). After collecting only a few points you can then exchange Curve Rewards points to purchase items for free. You can spend Curve Rewards points with PayPal, Amazon, direct on retailers websites, or in-store. Read on to find out more about the Curve card, how to get a free card loaded with credit, and how to earn and spend Curve Rewards points.

The Curve card is well tested and so far Curve cards have been used in over 80 different countries around the world, with over £15 million in transaction processed since its creation. According to Curve, the card saves the average traveller around £70 per year.

Join Curve by downloading the app. Register using promo code K7ADL for £5 credit to be added to your account. Remember to enter the promo code after downloading the app to receive the free credit.

curve card basics

Basics Of The Curve Card

The Curve card links to your existing Mastercard or Visa cards (such as your bank account, or even credit cards). Everything is managed through the Curve card app, which is super easy to use. After cards have been added everything you spend on the Curve card is instantly recharged to your linked account. If you have multiple cards registered within the Curve card app you can change the linked card at anytime in seconds. Ideal if you want to switch from debit to credit card, or from business to personal card. Curve American Express support will also start from early 2019, after the beta trials close.

The Curve app can hold details of multiple funding cards, allowing you to quickly change your linked funding card when making a purchase. Curve have recently added a new feature to their platform, named Go Back In Time. The feature allows you to change the payment funding source for any purchase under £1,000 within a 14 day window after the original purchase. The switch takes less than 10 seconds to swap a purchase from one funding card to another. It’s free, and can be done entirely in-app – perfect if you have accidentally selected the incorrect card, or want to change a purchase from a debit funding card to a credit funding card.

To complement this great product, in my own experience, Curve offer excellent customer service, with a response usually within a couple of hours during business hours. Curve even called me when abroad to resolve an issue after sending them a secure message. I’ve never dealt with a financial company being so proactive!

curve all in one card abroad

Using The Curve Card Abroad

Curve promote their piece of plastic as an ‘all in one’ card, and do not specifically focus their card towards international travellers and holidaymakers. The main benefit of the card for travellers is that you can save a considerable amount of money by using your Curve card abroad instead a regular debit or credit card. The Curve card helps to reduce foreign transaction fees by charging one of the best foreign exchange rates on the market, which is usually much lower than typical bank accounts.

If your planning on using your Curve card abroad make sure that you have setup your account with a funding card, and always remember to pay in the local currency. Curve will then automatically convert the transaction, using the Mastercard foreign exchange rate, from the local currency to your funding card currency (which most likely will be GBP).

Travelex, one of Curve’s main competitors with a focus specifically on the travel sector, recently withdrew their specialist travel card, the Travelex Supercard from the market (read the Curve vs Supercard review for a comparison). The cancellation of the Travelex Supercard could have been due to the fact that it is actually cheaper to use the Curve card abroad to withdraw cash from an ATM, instead of the Travelex Supercard.

curve rewards points scheme

Curve Rewards Scheme

In September 2016 Curve announced a new loyalty scheme named Curve Rewards. The rewards scheme, which is points based, allows you to collect Curve Rewards points by using your Curve card for everyday purchases and spending. Reward points can be cashed out at any stage to make a purchase. Read the full article about the Curve Rewards Scheme.

Earning Curve Rewards Points

Curve Rewards points are shown in real-time. If you make a purchase you will be able to see instantly an increase in your Curve Rewards points balance. There is no limit to the amount of Curve Reward points you can earn. Curve Black cardholders will receive double reward points, compared to Curve Blue cardholders.

A retailer offering 3% in Curve Rewards means for a purchase of £100 you will receive £3 of Curve Rewards points. If a Curve card is used at a participating retailer the Curve Rewards points earned are in addition to any discounts or cashback direct from the retailer.

Read the Curve Rewards FAQs for a list of participating retailers.

Spending Curve Rewards Points

The Curve Rewards card is a virtual payment card within the Curve app. This card works the same as any other debit or credit card in your Curve wallet. To spend Curve Rewards points select the card in the app before processing a transaction. You can spend Curve Rewards points at PayPal and Amazon, direct on retailers websites, or in-store. Curve even allow you to redeem Curve Rewards points while abroad.

1 Curve Rewards point is worth 1 pence (GBP). Curve Rewards points can not be redeemed by withdrawing cash from ATMs or cash-back transactions, and your Curve Rewards points balance needs to exceed the transaction amount. Points cannot be transferred or withdrawn to a bank curve card or curve black card upgrade

Curve Black Card Benefits

The Curve Black card operates in exactly the same way as the Curve Blue card. The only difference, apart from the colour of the card, is that the Curve Black card earns double the amount of Curve Rewards points when compared to the Curve Blue card. Further benefits of the Curve Black card may appear in the future.

The Curve Black card also costs £50, though you can request an upgrade to a Curve Black card for free.

The majority of retailers who are part of the Curve Rewards scheme offer 3% cashback for Curve Black cardholders in the form of Curve Rewards points, compared to 1.5% cashback for Curve Blue cardholders. Only H. Samuel and Virgin Experiences offer higher cashback at 5% and 2.5% retrospectively. Read the full list of Curve Rewards participating retailers.

To offset the original cost of the Curve Black card (£50) you would need to spend £1,667 at a retailer offering 3% cashback (3% of £1,667 = £50), or £1,000 at a retailer offering 5% cashback.

If you’re already a regular spender in these stores then the Curve Black card may make sense to you. After all if you plan on spending over £1,000 at either H. Samuel or Virgin Experiences the cashback alone would offset the cost of the Curve Black card. If spending at the other retailers who are offering 3% cashback then after spending over £1,667 you would have offset the original cost of the card and will continue to earn further cashback.

You should also take into consideration that the Curve Rewards points earned are in addition to any reward points you earn on a Mastercard or Visa funding card. Using a Curve card at a participating retailer will earn both Curve Rewards points and rewards points on the funding card.

Get A Free Curve Card With £5 Free Credit

To order a free Curve card, and also receive £5 of free credit download the app using the link below and make sure to enter the promo code K7ADL. A free Curve Blue card will be sent and the £5 free credit issued after making your first purchase.

Join Curve by downloading the app. Register using promo code K7ADL for £5 credit to be added to your account. Remember to enter the promo code after downloading the app to receive the free credit.

You need to enter the code on the first screen of the app by pressing “Add a referral code”. Curve is currently targeted towards the business market and you will be asked to confirm if you operate your own business, are self employed, or earn any funds aside from a regular job. There currently appears to be no checks against this information.

The Curve app is available for Apple and Android devices.