Curve Card Launching In USA: Join Waitlist To Earn More Rewards

Curve is about to launch in the United States. There are some restrictions to be aware of, but this has the potential to be a game-changer for many people. I wrote about this in the summer of 2021, and now people are invited to apply for Curve, which is a sign that this product will become a reality.

If you're not eligible to apply, I recommend you join the Curve wait list. When the time comes to apply, there is no obligation to actually get the product.

What is Curve?

Curve is a credit card that can be linked to your rewards credit card, and it is fascinating. The general idea is when you get Curve.

• Curve allows you to link credit cards with major issuers; unfortunately in the United States, only Mastercard, Diners, and Discover work initially, while Visa and American Express don’t work yet
• Then you can make all of your purchases with your Curve credit card, rather than using individual credit cards — essentially Curve pays the merchant, and then Curve charges your credit card
• One of your designated individual credit cards will be charged through Curve for those purchases — transactions will still show up on your individual credit cards, but there will be a note making it clear that the purchase was through Curve, though you’ll still earn bonus points based on the merchant you made the purchase with
• There are plenty of advantages to using Curve — there are no foreign transaction fees, you can switch the card you paid with for a period of 30 days, Curve offers contactless technology, and more

Curve has existed in the United Kingdom for a while, so this has been tried and tested elsewhere. It is coming to the United States.

What are the benefits of using Curve?

I gave some examples of the basic features of Curve.

• The Citi Double Cash is one of the best card for everyday spending, but it has foreign transaction fees; you could use Curve to make payments abroad with no foreign transaction fees, and then have it charged to the Citi Double Cash
• If you’re looking to maximize credit card rewards, you can change the card you’ve used to pay for a purchase for 30 days; this can be useful if you didn’t use a card with the right bonus category, or if you have a spouse who isn’t great at using the right credit card for the right kinds of purchases
• If you join the Curve waitlist now (more on that below) you can earn 1% back on purchases for the first six months, in addition to your credit card rewards

How does Curve make money?

This sounds too good to be true, so what is the catch, and how does Curve make money?

Curve probably won't make money, or at least isn't looking to make money directly from consumers, like so many other companies nowadays. I think venture capital companies will be funding these rewards, and that this is a play for collecting data on consumers, market share, etc.

Curve waitlist & refer-a-friend program

Curve is not yet open to the general public, but you can get on the Curve wait list. For the first six months after joining the waitlist, all users will receive an additional 1% cash back on every purchase, in addition to the credit card rewards that they earn. You will be invited to apply early. Paying taxes, buying insurance, or buying gift cards won't qualify you for the cash back bonus.

Those in the top 100 spots on the waiting list received 10% cash back on their purchases for the first six months, for a total of up to $1,000 in rewards. I received an email stating that I was in the top 100 spots, and was invited to apply, but I assume it doesn't count as a new product.

If you leave your referral codes in the comments section, others can use them, and I have already gotten my invite to apply.

Curve is in the process of launching in the United States, and some people are being invited to apply for the card. This could be useful for anyone who is collecting points. Curve allows you to use a single payment card and link several other cards so that you can maximize your rewards.

If you join the waitlist now, you will be able to earn 1% back on your purchases for the first six months, on top of the credit card rewards you usually earn. There is a lot of long-term value, like no foreign transaction fees, the chance to change which card you use for transactions after the fact, and more.

What do you think about Curve? Is it possible that you could use it?