Update August 2016: This card no longer enables you to recharge transactions to an American Express. Curve is now offering a very good Curve Card Rewards Program that is worth looking into. You might also want to look at the Lloyds Avios Rewards Card which charges no foreign exchange fees when spending abroad and bonus Avios points.
My Curve Card came today and I am using it to maximise my Avios for flights with British Airways. I recently applied for the Lloyds Avios rewards credit card which is one of the best Avios credit cards on the market. I am combining this with my Curve payment card to collect 42,000 Avios in 6 months.
How to collect 42,000 Avios from your Lloyds Avios Amex in 6 months
1. Apply for the Curve Card (read my review about Curve Card benefits). If you apply through this link you will get £10 cashback (as will I). At the moment you should apply for the £35 card as the Curve Rewards loyalty scheme related to the £75 card is an unknown and has not been launched. My referral code, if it doesn’t track automatically, is NRJWI.
2. Apply for the Lloyds Avios credit card. To get the initial 4,500 free Avios for applying for this card you must be referred by a friend. If you drop me an email I can supply you with a referral (as a referrer we both get 4,500 points). You collect 4,500 Avios when you receive the card (£35 application fee applies). Crucially you also receive a bonus of double Avios on your Lloyds Amex Avios card for the first 6 months (limited to £2,500 spend which will give you 6,250 Avios per month).
Up until now I have found it difficult to hit this £2,500 spend because there is a limited number of suppliers that accept Amex. This is set to change. Combine your Lloyds Avios cards within the Curve app which will enable you to collect Avios or American Express points on purchases made at vendors who do not accept American Express but do accept Curve MasterCard.
3. Spend £2,500 per month using your Curve Mastercard linked to your new Lloyds Avios Amex and you will receive 6,250 Avios per month and 42,000 in total which could be valued anywhere between £420 & £2,100 in flight spend depending on how you value the Avios you use (read how I work out what an Avios is worth to me).
I also choose the Lloyds Avios card to avoid foreign transaction fees when using my card abroad (instead of the standard 2.95%). You can read my full review of the Lloyds Avios card.
The Curve payment card combined with the Lloyds Avios credit card on the bonus double Amex Avios offers a brilliant way to collect Avios quickly.
Other Cards Which You Can Combine With Your Curve Card To Collect Avios
You can also collect Avios by applying for a free BA Amex card which will give you 10,000 Avios when you spend £1,000 You get 1,000 bonus Avios if I refer you (I also get a bonus) drop me an email. You must spend £20,000 to earn a companion voucher with this card and the Curve card can help here as withdrawing cash using your Curve card currently counts as spend on your Amex.
You can alternatively collect Avios by applying for the Premium Plus BA Amex card which costs £195 per anum and will give you 26,000 Avios when you spend £3,000. You get 1,000 bonus Avios if I refer you (I also get a bonus) drop me an email. You must spend £10,000 to earn a companion voucher with this card and the Curve card can help here as withdrawing cash using your Curve card currently counts as spend on your Amex.
Finally you can collect 52,000 Avios in the first 6 months with the new HSBC Premier World Elite MasterCard UK. This is already a Mastercard so does not need to be linked to a Curve card.
UPDATE: Curve have clarified it’s ‘fair use’ policy which now states that you can ONLY withdrawal up to £200 (or currency equivalent) for free using your American Express or other credit cards per calendar month after which there is a 2% charge.
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