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Curve review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Curve combines a free annual fee with fee-free spending abroad, so it suits travellers and anyone who pays in several currencies. Borrowing on the Flex plan costs 19.99%, so check that rate before treating the card as free to run.

Key facts

Best for
Travellers and multi-currency spenders who want cashback without an annual fee.
Annual fee
£0↗
APR
19.99%↗
Currency conversion fee
0%↗
Rewards type
Cashback↗
Rewards rate
1% at chosen retailers and on non-European currency spend on premium plans↗
Perks
1% cashback on foreign currency spending, Fee-free spending abroad up to plan limit↗
Cashback rate
1%↗
Card kind
Credit↗
Legal entity
Curve Europe, UAB↗
Headquarters
Lithuania↗
Support channels
Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
curve.com

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
Wikidata

Pros and cons

Pros

  • Annual fee of £0 on the card, with a currency conversion fee of 0% on the travel card.
  • Cashback of 1% on foreign currency spending, plus fee-free spending abroad up to the plan limit.
  • The issuer is Curve Europe, UAB, based in Lithuania and holding an LT_BL licence with reference PSD_EMI 305626541.
  • A credit card, so one card covers everyday spending and Flex borrowing together.

Cons

  • Flex borrowing costs 19.99%, above the site median of 15.5%, so a carried balance is costly.
  • Cashback of 1% at chosen retailers and on non-European currency spend applies on premium plans, so the reward depends on the plan you hold.
  • Support runs on help centre only.
Curve

Ready to try Curve?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Travellers and anyone paying in several currencies, because the currency conversion fee is 0%.
  • People who want rewards without a yearly charge, since the annual fee is £0 and the rewards type is cashback.
  • Card users who clear their balance each month, because the Flex rate of 19.99% is the part that bites.

Who should look elsewhere

  • bunq, if you want a fee-free card from another provider, with an annual fee of €0.
  • Varo Believe Secured Credit Card, if you want a secured card, with an annual fee of $0.
  • Starling Personal Account Debit Card, if a debit card suits you better, with an APR of 15%.

How Curve compares

Where Curve is available

Licence in Lithuania
LT_BL (PSD_EMI 305626541), checked September 26, 2026, also valid in Iceland, Liechtenstein, Lithuania, Norway

Frequently asked questions

What does the Curve card cost each year?+

Curve's annual fee is £0 and the model is listed as a no annual fee card. Keeping the card open for its rewards therefore adds no yearly charge in these terms, and Curve ranks 1 of 312 cards on annual fee.

Does Curve charge for spending abroad or converting currency?+

The currency conversion fee is 0% on the travel card, so foreign spending carries no currency mark-up in these terms. The listed perks also include fee-free spending abroad up to the plan limit, and cashback of 1% on foreign currency spending.

What rate do I pay if I borrow on Curve?+

Borrowing on the Flex plan is priced at an APR of 19.99%. That is the figure to weigh against a site median of 15.5%, and Curve sits at 66 of 138 on the APR ranking. A free annual charge does not make a carried balance cheap.

What rewards does Curve pay, and on which plans?+

The rewards type is cashback, and cashback of 1% is listed at chosen retailers and on non-European currency spend. The qualifier matters: that rate sits on premium plans, so the plan you hold decides how much of the reward you see.

Who issues the Curve card, and where are they regulated?+

The issuer is Curve Europe, UAB, based in Lithuania, and it holds an LT_BL licence under reference PSD_EMI 305626541. The head office country is LT, so you can match the licence reference to the register before you apply.

How do I get help if something goes wrong with my Curve card?+

Support runs on help centre only, so the help centre is the route for questions about payments, fees or a blocked card. Keep your receipts and dates in one place before you write, so the answer arrives faster.

Is Curve a debit card or a credit card?+

It is a credit card, so spending draws on a revolving balance rather than a current account balance. Paired with the annual fee of £0 and fee-free foreign spending, it fits people who settle the statement in full each month.

How does Curve compare with other cards on cost?+

On annual fee Curve ranks 1 of 312 cards, and on currency conversion fee 1 of 186. The APR ranking is weaker at 66 of 138, so the card wins on running costs and loses on borrowing.

Sources

  • euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “EntityCode=305626541; EntityType=PSD_EMI; ENT_NAM=Curve Europe, UAB”

  • curve.com checked September 26, 2026

    Backs: Support channels

  • curve.com/cashback-rewards checked September 26, 2026

    Backs: Cashback rate, Features, Perks, Rewards rate, Rewards type

    “you will earn 1% cashback on transactions in non-European currencies”

  • curve.com/flex checked September 26, 2026

    Backs: APR

    “Curve Flex Instalments offers a typical APR of just 19.99%”

  • curve.com/plans checked September 26, 2026

    Backs: Annual fee, Pricing model

    “Curve Pay FREE”

  • curve.com/travel-card checked September 26, 2026

    Backs: Card kind, Currency conversion fee

    “Add all your cards to Curve Pay”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Curve

Curve

Travellers and multi-currency spenders who want cashback without an annual fee.

8.9/10See alternatives