Last updated on October 10th, 2022
The Curve Card is an all-in-one credit card that enjoys popularity in the U.K. and Europe. The card currently has over one million subscribers – an impressive number. Now, the card is set to hit the United States. Here’s what you need to know about the Curve Card and its U.S. launch.
What is the Curve Card?
The Curve Card is a unique solution for those with several credit cards. The card – and associated app – allows users to consolidate their credit cards into one payment form and make purchases anywhere Mastercard is accepted. Currently, Mastercard enjoys near-global acceptance in 210 countries – more than Visa.
Users can add their cards, select their preferred payment method from the group, and use the card to pay in-store or online. The main selling point is the ease of payment and consolidation of multiple cards, freeing up wallet space. That said, there are other sweet perks.
Curve Time Travel
“Time Travel” is an innovative feature that customers will likely enjoy. This innovation allows Curve cardholders to move charges from one card to another – retroactively. In a practical example, the Time Travel benefit would let you switch charges from one card to another that offers better rewards. Alternatively, you could do the same and transfer the purchase to a card with a lower APR – especially if the purchase was expensive and requires a few billing periods to pay off completely.
European Users Applaud the Curve Card’s Versatility
U.K. and European customers have already applauded some of the standout features of the Curve All-in-One Card. These benefits include:
- Using all your Visa and Mastercard credit cards with Google Pay (even if they don’t support the app)
- No ATM fees worldwide
- The ability to move charges from one card to another
Membership Tiers with Curve
The U.K. version of the card currently offers a number of membership tiers: Blue, Black, and Metal.
Curve Blue
Curve Blue is the basic membership tier. It has no subscription fee and features the following benefits:
- Free ATM withdrawals up to a set amount each month (currently up to 200 Euros)
- 1% cash back on all purchases for the first 90 days
- Curve Time Travel
- Customer Protection (presently up to 100,000 Euros)
Curve Black
Black is the mid-range tier in the program and comes with a subscription fee of $9.99 per month.
- Free ATM withdrawals up to a set amount each month (currently up to 400 Euros)
- 1% cash back on all purchases at up to three premium retailers
- Curve Time Travel
- Medical travel insurance (currently up to 15 million Euros)
- Customer Protection (currently up to 100,000 Euros)
Curve Metal
Curve Metal is the premium tier, with a premium subscription fee. The current subscription price for Metal is 14.99 Euros. For that price users get their choice from three 18g metal card colors and the finest perks:
- Free global ATM withdrawals up to a set amount each month (currently up to 600 Euros)
- Unlimited 1% cash back on all purchases at up to six premium retailers
- Curve Time Travel
- Medical travel insurance (currently up to 15 million Euros)
- Phone protection (currently up to 800 Euros)
- Rental car coverage (currently up to 25,000 Euros)
- Customer Protection (currently up to 100,000 Euros)
- Discount access to LoungeKey airport lounges
Curve Limitations
While the Curve Card has impressive specs, the card also has some limitations. Currently, only Visa and Mastercard cards are compatible. American Express previously had a European relationship with Curve, but this has since ended. The card also charges fees when using it as a debit card.
When Can We Expect the Curve U.S. Launch?
There is no set date for the launch of the Curve Card in the United States. AXA, the card issuer, hoped for a 2019 release, but the timeframe was walked back. Currently, AXA is offering a waiting list for the card, with the first 100 subscribers on the list getting Curve Metal free for a year.
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