One card for all your cards – Expert with Points has long advocated (see: here, here, and here) the benefits of the Curve card. From the convenience of managing your money in app, with the ability to use all your cards through the one Curve Mastercard, through to the control it offers with instant notifications with every purchase, the Curve card is definitely worth considering.
Referral Code for a Free £10
Curve offer a promotion whereby you will receive a £10 credit on your Curve reward card when using the following referral code link, which can be found here.
Register for Curve Card
First things first, you will need to register with Curve to start the process. Go here and enter the code EWP10 to get your free £10 when you sign-up. It's free to do.
Once you have signed up with Curve and downloaded the Curve Card App (available on the Apple App Store or Google Play Store), you will need to load up a credit or debit card to get fully set up. Once this is done, you can use the Curve Card to spend on all of your cards, simply by using the app.
Using the Curve App
The app use is for switching between your different uploaded cards. For example, if you have uploaded your Halifax debit card onto the Curve app, you simply tap the image of it to select it. You would then be spending on this card. To get your free £10 referral payment, simply make a payment with the Curve card, like you would normally do. With the card selected, head out to make a purchase. Spend on one of your linked credit or debit cards via your Curve Card.
Once you have completed your first transaction with a linked credit or debit card, you can switch over to your rewards. To do this, swipe to the left on the card images on the Curve app. Select the Curve Rewards card image, by tapping it. The free £10 you receive will appear in here, and you can spend it by having the Curve Reward card selected.
To know how much money you have in Curve Rewards, just move the decimal over twice. For example, a "1,000 point" balance means you have £10 to spend. You cannot spend over the amount shown here, so you are best to spend either that exact amount, or just under it. This balance can be increased by referring your own friends to the Curve Card. Once you have spent your rewards balance, remember to switch back to your normal payment card to continue any spending.
Benefits of Curve
Curve is all your cards in one. You can add all your credit and debit cards to one smart card and app. Simply tap the card you wish to pay with using the Curve app, and pay for the item using your Curve card. You will receive an instant notification. You will be able to use your Curve card anywhere that accepts a Mastercard, including abroad.
The Go Back in Time feature is novel, by allowing you to move a transaction from one card to another. As long as the payment was made in the last 2-weeks and was under £1,000, you can move any completed transaction from one card to another, for free. This can be very handy if you accidentally purchase something with the wrong card, which can be easily done.
Real-time alerts are useful, with colour categories available on your timeline. You can categorise payments made to help with tracking. The Curve app makes it very easy to track exactly where your money is going on a daily, weekly or monthly basis.