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Related: Curve Card

Curve uploads all your credit and debit cards into one single card which is accepted everywhere MasterCard® cards are. Curve Card rewards offer 1.5% to 5% cashback on purchases at 50 retailers.

Curve card benefits are:
– A £200 ATM withdrawal per month, recharged to a Visa or MasterCard credit card, without incurring any fees.
– Reduced currency conversion fees at the MasterCard rate + 1%, (most credit and debit cards charge 3%)
– The convenience of only carrying one card in your wallet (replacing the 3+ cards most people carry)
– A well-written app that enables you to easily select which card you want to make a purchase on.
– Text notification when you make a purchase
– CURVE CARD REWARDS (more on that below) which you will get from spending on your Visa or MasterCards which are linked to your Curve Card.

What are Curve Rewards?
Curve Rewards are simply cash back on spend you make. Once you receive your curve card and have set up the app, you will find an additional card in your wallet which shows your Curve Rewards balance. Each Curve point is worth 1p and these rewards can be used like cash to spend on any purchase using your Curve card. You cannot withdraw your Curve Rewards credit.

Breaking news is that 50 major High Street shops and restaurants are now offering rewards points on purchases made using Curve. Holders of the Blue Curve Card will receive 1.5% to 2.5% of their spend back as rewards points, depending on the retailer, whilst holders of the Black Card will receive between 3% and 5% back.

These 50 retailers are currently from the UK high street only and include department stores, a major food retailer and a large hotel chain.

A 1.5% return on your spend plus the rewards from your underlying Visa or MasterCard will probably result in more awards than you would get using your American Express card for the same purchase. In fact, if you regularly shop at any of these retailers, the Black Card is worth considering.

Curve Reward Partners:

Merchant / Blue Card / Black Card
Argos / 1.50% / 3%
Arcadia Group / 1.50% / 3%
ASK Italian / 1.50% / 3%
B&Q / 1.50% / 3%
Babies R Us / 1.50% / 3%
Belgo / 1.50% / 3%
Bella Italia / 1.50% / 3%
Boots UK / 1.50% / 3%
Burton / 1.50% / 3%
Cafe Rouge / 1.50% / 3%
Caffe Nero / 1.50% / 3%
Carpetright / 1.50% / 3%
Debenhams / 1.50% / 3%
Dorothy Perkins / 1.50% / 3%
Ernest Jones / 1.50% / 3%
Evans / 1.50% / 3%
Evans Cycles / 1.50% / 3%
Feelunique / 1.50% / 3%
Gap Inc. / 1.50% / 3%
Goldsmiths / 1.50% / 3%
H.Samuel / 2.50% / 5%
Halfords / 1.50% / 3%
House of Fraser 1.50% 3%
Leslie Davis / 1.50% / 3%
Marks & Spencer / 1.50% / 3%
Marriott International / 1.50% / 3% (UK hotels only)
Miss Selfridge / 1.50% / 3%
Moss Bros. / 1.50% / 3%
Mothercare / 1.50% / 3%
New Look / 1.50% / 3%
Outfit / 1.50% / 3%
Papa John’s Pizza / 1.50% / 3%
Pizza Express / 1.50% / 3%
River Island / 1.50% / 3%
Spafinder / 1.50% / 3%
T.G.I. Fridays / 1.50% / 3%
The White Company / 1.50% / 3%
The Works / 1.50% / 3%
Thorntons / 1.50% / 3%
Topman / 1.50% / 3%
Topshop / 1.50% / 3%
Toys R Us / 1.50% / 3%
Tune Tribe / 1.50% / 3%
Virgin Experience / 2.50% / 5%
Wallis / 1.50% / 3%
Waterstones / 1.50% / 3%
Wilko / 1.50% / 3%
Wyevale Garden Centres / 1.50% / 3%
Yo! Sushi / 1.50% / 3%
Zizzi / 1.50% / 3%

I am re-applying for my Curve card and intend to stick with it because of the cashback offered by Curve Rewards. This a young and well-funded company with the intention of launching lots of interesting partners, they even hope to bring back the Amex recharging idea.

It is worth mentioning that Curve is currently targeted at the business market so you will be asked to confirm that you run your own business, are a partner or have self-employed income on top of your regular job during the application process.

If you apply for the FREE card through the link below you will get £5 cashback (as will I). Apply for the Curve Card. My referral code, if it doesn’t track automatically, is NRJWI.

Once you have taken out your card, you then need to download the Curve App from Apple where you can unite and monitor all your credit cards.

Curve Card

Disclosure: Our property, service and product reviews are sponsored by the proprietor or brand being appraised. All opinions remain our own and are in no way influenced by the sponsor.