Maximise your Avios, air miles and hotel points

Curve Card launches legal action against American Express

Links on Head for Points may support the site by paying a commission.  See here for all partner links.

According to an article in The Daily Telegraph yesterday, Curve Card is going through with its threat to sue American Express for withdrawing its support in January with no notice.

The report says that Curve is seeking damages for the ‘millions of pounds’ spent on fees and development work for the project to integrate American Express into the Curve platform.

Curve has also said that it is filing a complaint with the Payment Systems Regulator.  To quote:

“We have a very large set of investors and we have a lot of money in our war chest”, [Curve CEO] Mr Bialick said. “When someone is actively trying to kill you, that means you are disrupting the model.”

Amex supplied the Telegraph with the same quote they gave to me back in January:

“American Express participated in a limited Curve beta test where we enabled a small number of Card Members to load funds onto an e-wallet using their Amex Card in the Curve app.  We informed Curve that we would not participate in the further roll out of the Curve e-wallet, prior to them launching the product.  We do not have regulatory obligations to work with a particular partner, and we can confirm that we have terminated our agreement with Curve.”

This is a tricky one to call.  For most businesses, the ability to accept payment cards is a pre-requisite to their survival so card companies should arguably not be allowed to discriminate over who they work with.  On the other hand, you can understand that Amex, Mastercard and Visa would want the ability to stop their logos being associated with stores or websites selling certain products.

Credit card companies also share legal liability for products purchased using their cards so they must be allowed to have the flexibility to only work with merchants whose finances and products are seen as reliable.  This was not an issue with Curve transactions, however, as the legal liability sat with Curve / Mastercard and not American Express or whichever other card your Curve was linked to.

Curve is still pushing forward

Curve is not going anywhere in a hurry, it seems, despite the huge setback with Amex.  Over the last couple of weeks it has announced plans to open offices in Italy, Germany, France, Spain, Portugal and Poland (country managers are currently being hired if you’re interested).  As Amex has a lower penetration in these markets, the lack of Amex functionality is likely to be less of an issue.

It has also launched ‘Faster Purchase Protection’ for transactions of up to £100,000.  This ensures that all claims for refunds against purchases made on Curve are dealth with within one day of receipt of the requested documentation.   You are covered when the goods or services were not received, defective or not as described. It also covers eligible purchases in the event that the goods prove to be counterfeit or when a promised refund is not completed.

It is worth noting that this covers debit and credit card purchases, which makes it more generous than Section 75 coverage in the UK which only covers credit card purchases.  There is also no minimum purchase threshold, whereas Section 75 protection only kicks in if you spend over £100.

Does Curve still have value to HfP readers without Amex as a partner?

Yes it does, basically.  Arguably the free card should be in your wallet, linked to another points earning Visa or Mastercard:

you can spend £500 per month abroad Monday to Friday without incurring any FX fees (0.5% fee at weekends) and have the transaction recharged your points-earning Visa or Mastercard in Sterling

you can withdraw £200 per month via an ATM and have it charged to your underlying points-earning Visa or Mastercard as a purchase (EXCEPT for Tesco Bank and NatWest / RBS cards)

If you pay HMRC, you should also know that payments to HMRC via Curve are still accepted. It is treated as a debit card but goes through as a purchase on your underlying Visa or Mastercard.

If you’ve never tried Curve, simply go to this page of their website to download the app.

Curve will pay you £10 for trying it out if you use our link.

Can Curve beat Amex?

I’m not sure if the Curve lawsuit against American Express will get very far.  I’d like to think it would, but the situations under which you can legally force a company to do business with another company are few and far between, although they do exist.

That said, strip away all of the noise caused in the last three months by the sudden collapse of the Curve / Amex relationship and you are still left with a product which has some use in the arsenal of the average miles and points collector.

Be clear, though.  There is a shake-up coming, with little hope that Curve, Monese, Revolut, Starling, Monzo, N26 and Atom will all survive as independent fintech businesses.  I’m not sure if Curve is less at risk – because it is at least offering something different whilst Revolut etc are just offering plain vanilla banking with pretty-coloured plastic cards – or more so.

PS. If you are not a regular Head for Points visitor, why not sign up for our FREE weekly or daily newsletters? They are full of the latest Avios, airline, hotel and credit card points news and will help you travel better. To join our 65,000 free subscribers, click the button below or visit this page of the site to find out more. Thank you.

earns points from credit cards

Want to earn more points from credit cards? – April 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Category

General

Comments (223)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Russ says:
    26 Mar26 March 07:35

    Billhop if you’d rather put it on amex for £295 fee. Worth 10,000 avios or another amex airline partner. More with hotels.

    • Polly says:
      26 Mar26 March 08:08

      It’s actually worth giving Billhop a call. We had a series of payments so l asked them for a reduced fee they offered 2%. Like Anna, it gave us our 241 almost instantly, so almost fee free, used for F to Asia. So, give them a call….

      • Russ says:
        26 Mar26 March 08:21

        Thanks for the tip Polly. I do put a few regulars through so will take that up with them.

      • LewisB says:
        26 Mar26 March 08:38

        Interesting. Will try this in the future. Thanks!

  • Worzel says:
    26 Mar26 March 07:37

    Unsurprising Shambles !

  • Mr Dee says:
    26 Mar26 March 08:11

    Well if they don’t win, wouldn’t like to have to explain to investors where all the money went.

    Curve has its used for the consumer but cant see it being a profitable business anytime soon.

    • Graham Walsh says:
      26 Mar26 March 08:38

      Printing cards!! Some people got the metal card for Amex etc, then downgrading back to legacy black and they reissued a new card even though the metal card was never activated. A stupid model really. I could have kept the legacy black physical card or just even used the metal card with legacy benefits.

    • GaZ48 says:
      26 Mar26 March 08:38

      Is it pure coincidence that Amex pulled the 6 month to 24 months move now? Do they envisage an expensive fight with curve? Just a thought.

      • Alex W says:
        26 Mar26 March 09:03

        Put it another way, if Amex is allowed back on to Curve, people will absolutely rinse it to make up for their lost sign up bonuses.

        • Mr Dee says:
          26 Mar26 March 10:33

          Without signup bonuses may as well use the Virgin card

        • Doug M says:
          26 Mar26 March 12:08

          Not if Amex decide to treat all Curve as cash advance

        • Lady London says:
          26 Mar26 March 14:48

          I think the best Curve can hope for is some publicity or a token settlement basee on partial recovery of costs . If it wasn’t ‘*hit or bust’ Curve wouldn’t ne doing ut.

      • illuminatus says:
        26 Mar26 March 10:09

        Do they envisage an expensive fight with curve? – I do wish Curve luck as I use their card every day, but even ‘David vs Goliath’ is not a fair comparison for your statement. Amex would not change their products because of some very minor (for them) legal fight

        • Mr Dee says:
          26 Mar26 March 10:35

          Even if Amex paid Curve their expenses its hardly a lot of money for Amex

  • TGLoyalty says:
    26 Mar26 March 08:38

    Aren’t you better off doing the analysis at £15k spend where you get the 10k MR bonus?

    On foreign spend the 3% fee eats into your CB or points calcs. 3% to get 2% back would be madness when you can use clarity or curve or Revolut or sterling etc

    • Russ says:
      26 Mar26 March 09:30

      Ok at 3% fee on GBP£15,000 overseas spend on Amex Gold CC that’s GBP£450 and you’d pick up 40,000 avios. Currently GBP£655 to buy 40,000 avios via BA. Now saving is GBP£205.

      Unless you have a clear plan what you are going to do with the cash back I don’t think it makes sense over collecting points.

    • Shoestring says:
      26 Mar26 March 09:49

      and you’re going to get a few Amex statement credit offers/ Shop Small £5s over the year you hold Gold.

    • The Savage Squirrel says:
      26 Mar26 March 09:50

      Russ that’s exactly backwards – it makes no sense.

      Your comparison is silly because if you had £450 in cash you’re almost always better off just spending it directly on flights rather than using it to buy Avios to redeem on flights 😀

      With points you’d better have a clear plan or reason for wanting them. With cash you don’t need any plan – it’s accepted everywhere for everything and never expires.

    • Russ says:
      26 Mar26 March 10:44

      Savage, not for those who haven’t mastered the dark art of booking QR premium seats for £450 instead of 37,500 avios 😉

  • Chris says:
    26 Mar26 March 08:56

    It’s disingenuous of Curve to grab headlines with their new £100,000 limit for purchase protection cover when they don’t actually allow customers to spend that amount in one transaction.

    Or is it now possible to get my daily transaction limit increased from £3,750 to £100,000?

    • Alex W says:
      26 Mar26 March 09:04

      Exactly what I thought! Though who has a £100k limit on their visa/MC?

      • Chris says:
        26 Mar26 March 09:38

        Tesco Bank debit card. Though whether Tesco Bank would allow such a large debit card transaction is another question.

        • TescoTease says:
          26 Mar26 March 16:15

          Tesco debit card transactions are unlimited. At the moment… due to be reduced to £20k/day late this year.

    • MDA says:
      26 Mar26 March 11:48

      It took curve days for them to even respond to a chargeback request, even then they wanted written letter you wrote to the merchant – who writes to merchants when we have emails and telephone customer service lines?

  • Alan says:
    26 Mar26 March 09:00

    Ermm see comments above yours? Mediocre product in USA, not going to come here on anything like these terms.

  • Andrew says:
    26 Mar26 March 09:02

    Where are you buying the kitchen from?

    If it’s a Trade Counter at a Builder’s Merchant, then make sure you’ve discussed with the Tradie, who is going to fit it, that you are getting the best price.

    The BMs are all highly competitive and offer trade discounts, as well as cash-back deals to their most prized business account holders.

  • Mark says:
    26 Mar26 March 09:29

    Revolut is far more mainstream that Curve.

    Visit any of the FRB travel groups and Everyone seems to have or use one when abroad.

    • Andrew L says:
      26 Mar26 March 10:32

      “Revolut is far more mainstream that Curve.”

      What nonsense! 😒

      • Matt says:
        26 Mar26 March 10:52

        I’d say Revolut is far more mainstream certainly amongst my friends. I use Curve but I’ve only heard of other Curve users on HfP.

      • Crafty says:
        26 Mar26 March 11:58

        Are you serious? Revolut and Monzo are mainstream products now. Nobody I speak to has heard of Curve before I mention it.

        • Andrew L says:
          26 Mar26 March 21:05

          Revolut has its uses but I would rather lose that than Curve that has more useful benefits to me on a daily basis. As for Monzo…..I wouldn’t even consider that when Starling offers a much more attractive proposition.

        • Art50 says:
          27 Mar27 March 13:58

          +1

      • Brian Webb says:
        27 Mar27 March 01:57

        This has to be the most ill judged comment I’ve read on this website in years!

        I fully understand why HfP readers find Curve more ‘useful’, however, stating it is more mainstream than Revolut is an amateur comment to make if I’ve ever read one.

        I have both and make good use of them, where the benefit is to be maximised, but Revolut is a million miles ahead of Curve where the ‘mainstream’ crowd are concerned, not to mention in terms of professionalism and stability. Curve is winging it and everyone can see that.

        I think you might reading the wrong blog Andrew.

        • Andrew L says:
          27 Mar27 March 12:04

          I suppose everyone is entitled to their views but I can assure you, Brian there are more Curve card holders in the UK than Revolut. Europe wide, Revolut win hands down.

          Curve is a simpler product for the average person on the street to get their head around.

          This site is full of contributors that think just because they favour a certain product, everyone else does too and are too quick to verbally insult anyone who dares to disagree with them.

          • Alan says:
            27 Mar27 March 12:11

            I’m not sure I’d agree re Curve being a simpler product – I think the concept of recharging cards, etc. is harder to follow for many than the simple pre-payment concept of Revolut, Monzo, Starling, etc.

        • Brian W says:
          27 Mar27 March 22:06

          Your comment being described as ill judged is hardly a verbal insult Andrew!

          As Adam has shown, Revolut is streets ahead in terms of UK cardholders and again that underlines that it is, indeed, far more ‘mainstream’ than Curve and, I suppose, that your original comments were not as factual as you first thought.

          Like I said, I have both cards. Don’t favour either but your post was ‘nonsense’.

      • Brian says:
        27 Mar27 March 12:21

        “there are more Curve card holders in the UK than Revolut.”

        Are you serious?? Pretty much everyone I know here in the UK has a Revolut card. Hardly anyone I speak to has even heard of Curve let alone has it.

        I have them both and if I could only keep one it would be my curve card. But the popularity of curve even here in the UK compared to Revolut is not even close.

    • TimTam says:
      26 Mar26 March 11:12

      When reading an article on HfP about Curve, always remember Rob has a relationship with them.

    • marcw says:
      26 Mar26 March 11:22

      I’d say Revolut has a bigger market share/penetration than Curve. Revolut does not only operate in the UK, but pretty much whole Europe.

      • Dune says:
        26 Mar26 March 11:26

        It does. It was reported Revolut surpassed 3 million users in late 2018. Compare that to Curve’s 500,00 (figure quoted in Telegraph article). But as has been said about HfP has a business relationship with Curve, so Curve is always bigged up.

        • Dune says:
          26 Mar26 March 11:28

          * It does. It was reported Revolut surpassed 3 million users in late 2018. Compare that to Curve’s 500,000 (figure quoted in Telegraph article). But as has been said above HfP has a business relationship with Curve, so Curve is always bigged up.

          • Rob says:
            26 Mar26 March 14:21

            Revolut has nothing to do with miles and points though, which might explain it …. except that some credit cards still treat Revolut loads as a purchase.

            Happy to do an article listing all credit cards which treat Revolut as a purchase. All will immediately block it however following the publicity, so it is fairly self defeating … but if it makes you happy I can do it.

        • TGLoyalty says:
          26 Mar26 March 16:50

          How many are actually active?

          I prefer the curve model 5 days of the week. Revolut comes in handy though

        • David says:
          26 Mar26 March 17:14

          Why would revolut be mentioned here? Curve has been mentioned here and already credit cards are treated Curve reloads as cash advances rather than a purchase. What are you trying to argue here? That Revolut is better for points earning on credit cards so there should be an article about it? Having seen how that worked out for Curve I think it should be the exact opposite.

      • Alan says:
        26 Mar26 March 14:23

        Agree – clearly Revolut a much bigger entity at present!

        • New Bee says:
          26 Mar26 March 14:25

          Rob,I am interested in finding out which credit cards work with Revoult,hehe

        • Mike says:
          26 Mar26 March 20:41

          New Bee, the credit cards of a certain bank whose name rhymes with HMRC still treat Revolut top-ups as purchases. I shall say no more.

        • New Bee says:
          27 Mar27 March 17:08

          Big dave – thank you x

      • Big Dave says:
        27 Mar27 March 09:04

        you can use curve and revolut together in interesting ways, For example: (sic.)
        “I use Revolut with my Curve Card all the time. If you want Revolut, rather than Curve, to handle the Fx exchange, then simply adjust the Revolut Card currency in Curve to the currency you want to purchase in. So, for example, when I’m in Europe I set my Revolut Card to Euro in Curve. When in the UK to GBP. When in Australia to AUD. Etc “

    • the_real_a says:
      26 Mar26 March 13:35

      Revolut launched as a loss leader with no limits on the foreign ATM withdrawals, so hundreds of thousands of backpackers and “one time a year” travelers took out the card as a cheap way to fund a holiday. I would be more interested in the “active users” which would be a fraction of this number, and from that number which are materially active (i.e. not just holiday money for 2 weeks a year).

      • guesswho2000 says:
        27 Mar27 March 08:54

        I’m active, in that I use Revolut every single day. I’m not sure I’m their target customer though…

    • Art50 says:
      27 Mar27 March 13:59

      After all these years Curve only has 500,000 cardholders; Revolut has over 3 million. So your comment doesn’t hold water.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

New to Head for Points?

Welcome!  We’re the UK’s most-read source of business travel, Avios, frequent flyer and hotel loyalty news. Let us improve how you travel. Got any questions? Ask them in our forums.

Get 25,000 Avios with the Barclaycard Avios Plus Mastercard

GET A SIGN-UP BONUS OF 18,000 VIRGIN POINTS!

Latest Forum Posts

Get 80,000 bonus points (worth 80,000 Avios) and £400 of dining credit with The Platinum Card (Offer ends 27th May)

Check reward flight availability instantly for free!

See a whole year of reward seat availability on one page at SeatSpy.com

Get up to 10,000 bonus Hilton Honors points

Booking a luxury hotel?

Our luxury hotel booking service offers you GUARANTEED extra benefits over booking direct. Works with Four Seasons, Mandarin Oriental, The Ritz Carlton, St Regis and more. We've booked £1.7 million of rooms to date. Click for details.

SME? GET THE ONLY FREE SMALL BUSINESS CREDIT CARD WHICH CAN EARN AVIOS

Get points worth 30,000 Avios with 'first year free' American Express Gold (ends 27th May)

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.

Got it!