Virgin Atlantic

Major Curve Updates

Curve Card

Update 30th January 2019

Following the article below, last night American Express suspended its relationship with Curve. You can now not apply for a link to any American Express card on the website or app.

Curve sent out the following e-mail notification to users during the night.

We are extremely sorry that the top-up functionality of your Amex wallet is currently disabled.

Like thousands of other UK merchants, Curve has a valid merchant agreement to accept Amex payments into its e-wallet. However, on Tuesday evening, Amex decided to terminate this agreement and block all Amex transactions to Curve with immediate effect.

Amex has given no good or fair reason for their decision and we believe it is entirely disproportionate and discriminatory to Curve and all our (joint) customers. UK payment regulations clearly state that Curve should be allowed to access the Amex payment network on a level-playing field with every other fee-paying and legitimate merchant.

Rest assured that you can still spend the funds that you have already topped up to your existing Amex Wallets. If you have contacted us for support, we apologise for the delay in response and will endeavour to do so as soon as possible. We will update you as soon as we have any further information.

With your interests in mind, and our mission to deliver a truly innovative product, we intend to fight Amex's decision with our full might. We believe financial freedom is the future and we are prepared to fight for yours.

The original article follows below.

Curve, the virtual wallet and combined card (see our Curve article here) has now had a major and interesting update, switching to a monthly payment plan for the Curve Black (£9.99 per month), launching Curve Metal (£14.99 per month) and accepting American Express albeit in a pre-paid way (explained below).

There are now 3 versions of the Curve Card:

  • Curve Blue (the free card) this supports Mastercard, Visa and Amex cards (Amex has a 0.65% fee), £500 per month fee free transactions abroad, £200 per month fee free ATM withdrawals and 1% cashback at three retailers for the first 90 days.
  • Curve Black (£9.99 per month) this supports Mastercard, Visa and Amex cards, Amex is fee free for the first £1,000 each month (transactions above this incur a 0.65% fee), unlimited fee free transactions abroad, £400 per month fee free ATM withdrawals, worldwide travel insurance, electronic gadget insurance and 1% cashback at six retailers for the first 90 days.
  • Curve Metal (£14.99 per month) this supports Mastercard, Visa and Amex cards, unlimited fee free Amex transactions, premium 18g metal card, unlimited fee free transactions abroad, £400 per month fee free ATM withdrawals, worldwide travel insurance, electronic gadget insurance, airport lounge access and 1% cashback at six retailers for the first 90 days. Curve Metal offers a choice of colours, claimed to match your personality - Blue Steel, Red or Rose Gold (see image below).
Curve Card

How does Amex work with Curve?

Unlike when Mastercard and Visa cards are used with Curve, where purchases are charged to the card at the time of the transaction, Curve requires you to top-up the virtual Amex card with it acting as a virtual pre-payment card. These “top-ups” are charged to the Amex card as a purchase, meaning that any points or cashback will be accrued.

How to get Curve

To apply for your own Curve card, simply download the app (here) and follow the instructions. Currently, you can get £5 free when you use a referral code regardless of which card your choose – ours is 7UJ2B – Simply enter in when asked whilst signing up.

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Ross Slater

Dr Ross Slater

Ross is Expert with Points' main contributor. Sharing his knowledge of various travel reward schemes, to help your travelling go further.

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