Curve and Virgin Reward+ (again)
Just after I posted the first part of my financial reshuffle, Curve launched Amex support, I applied for one of their metal cards, that came with unlimited free Amex spend (and a much higher maximum £1.4m annual spend limit), and Amex terminated Curve’s MSA, pulling Amex support from Curve.
It all happened very quickly but, having missed a few good opportunities, I decided to jump in quickly on this one, and now I’m stuck with Curve metal card that looks and feels really nice but isn’t much use to me.
I have 28 days to claim a refund so my plan is to try to get to get a much spend on it as possible within that time, to reassure myself that I won’t get stuck at an annual spend limit. Assuming that happens, I’ll keep it.
The funny thing is, metal cards are quite common among high-fee, high-income reward cards in the US, but in the UK, the only metal cards I’m aware of are the Amex Centurion, N26, Revolut and Curve. In other words, 3 out of the 4 metal cards in the UK are basically pre-paid debit cards open to anyone. How’s that for prestige?!
It’s not that easy, though. no sooner had I cancelled my Virgin Atlantic Reward+ Credit Card that Curve brought out this new product that is literally game-changing for anyone with large tax bills. Because of that, I actually re-applied for the Virgin Atlantic Reward+ Credit Card. Reading the fine-print carefully, I should be eligible for the current 25k miles signup bonus again. The product’s been out less than a year so I guess the possibility for churn hasn’t registered yet… I also got a higher limit second time around.
Speaking of pointless metal cards, I took out a Founderscard some time ago (I don’t know why they given out cards).
Given how many of the best offers were restricted to the US, I wasn’t sure if I’d keep it, but I’ve recently had a lot of good value out of it:
- Total Rewards (Caesars) Diamond Elite status was immensely valuable in Vegas and as far as I know, this is the only way to get it in the UK. I also managed to get a status match from Caesars in the UK – the benefits are relatively modest but still nice to have.
- Stripe became a Founders Card benefit in the US and, shortly after, in the UK as well. The £15,000 in free processing from Stripe combined with the £30,000 in free processing I have in a legacy Braintree account have opened up the possibility of ditching Worldpay for a more modern solution and saving money at the same time.
- It was time to replace my 2017 Macbook Pro and after perusing the offers on Founders Card, I realised that I could get a very good Lenovo laptop for very good price as long as I could arrange for it to be shipped to the USA and forwarded on from there. It was a bit of a debacle but I saved several hundred pounds, even after all of the extra costs involved in forwarding it.
- I’ve had a couple of free business lounge visits, discounts at Namecheap, Moo and others. These aren’t worth a lot but still nice to have.
All in all, I have saved a lot compared to the annual fee, both in business and personal expenses. I am also really looking forward to the London event as a place to meet likeminded business owners in a relaxed setting.