Curve connects all of your credit cards and debit cards into one single smart card and app, so that you can maximize your rewards, move payments between cards (even after your purchases), and much more.
Plus, if you Register as a Curve Beta User, you’ll receive an additional 1% cash back on all of your purchases for the first 6 months (on top of the rewards that you already earn on your other cards).
Instead of a bulky wallet full of cards, you simply carry one Curve card with you wherever you go.
By adding all of your cards, you can spend from any account at any time using just one Curve card.
That means you can make specific purchases between multiple cards, so that you are always maximizing your rewards.
It also gives you access to your bank account funds at ATMs, which is especially useful when traveling.
Unfortunately, Curve only works with Visa and Mastercard cards, so you won’t be able to connect your American Express or Discover cards.
However, it is free to use Curve, as there are no subscription costs for the standard Curve Blue smart card and app.
To unlock additional features, you can upgrade to the Curve Black or Metal cards, which also come with subscription costs.
If you mainly use Visa and Mastercard cards, Curve can help you slim down your wallet and simplify your spending.
Curve is currently available to all 31 countries within the European Economic Area (EEA), but it is launching in the U.S.A. in 2021.
Curve U.S.A. Registration Waitlist
You can Register for Curve U.S.A. now to get Beta access when they launch in 2021 (coming very soon).
As a Beta user, you will receive an additional 1% cash back on every purchase for the first 6 months (on top of the rewards that you earn from your other cards).
After you register for the Curve U.S.A. waitlist, refer your friends to get bumped up 100 places in the queue for every friend that signs up.
The top 100 on their waitlist will earn 10% cash back for the first 6 months, in addition to any rewards that you earn from your other cards.
How Curve Works
You can use Curve to spend from any of your debit and credit cards accounts using just one smart card and app.
To get started, add your Visa and Mastercard debit and credit cards to the Curve app.
Once you’ve added your cards in the Curve app, select which account you would like to use as your payment card.
That account will instantly become active as your payment card when you use your Curve smart card for a purchase.
To use a different payment card, you can switch your card accounts in the Curve app at any time.
Through the Curve app, you’ll have complete control over which payment card you use on each transaction.
However, if you happen to use the wrong payment card on a purchase, Curve even lets you go back in time and switch the payment card that you used.
There is no money stored in your Curve account, so you never put money on the Curve card itself.
Instead, when you use your Curve card in-store, online, or at ATMs, Curve instantly charges the payment card that you have selected in the app.
Because your purchases are being charged directly to your payment card, you will still earn your spending rewards.
On top of that, you’ll earn Curve Cash, which gives you 1% cash back from your choice of 100+ popular brands.
Through the Curve app, you can quickly see how much you spend on all of your accounts at a glance.
In addition to being a spending tool, you can use Curve Send in the app to send money between friends with just a tap.