Curve review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Curve suits travellers and everyday spenders who want a credit card that is cheap to hold and cheap to spend abroad, and who will take a premium plan to earn rewards. The annual fee is £0 and the cashback is 1% at chosen retailers on premium plans.
Key facts
- Best for
- Travellers and cashback seekers who want a fee-free credit card on the Mastercard network.
- Annual fee
- £0 (Source, checked September 26, 2026)
- APR
- 19.99% (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1% at chosen retailers and on non-European currency spend on premium plans (Source, checked September 26, 2026)
- Perks
- 1% cashback on foreign currency spending, Fee-free spending abroad up to plan limit (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Curve Europe, UAB (Source, checked September 26, 2026)
- Headquarters
- Lithuania (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- curve.com
Debit cards
- Monthly fee
- £0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Curve Europe, UAB (Source, checked September 26, 2026)
- Headquarters
- Lithuania (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
Pros and cons
Pros
- Annual fee of £0 and monthly fee of £0 on a no-annual-fee model
- Currency conversion fee of 0%, with fee-free spending abroad up to the plan limit
- Cashback of 1% at chosen retailers and on non-European currency spend, on premium plans
- Runs on the Mastercard network, the choice behind 38.5% of the cards compared
Cons
- Borrowing is the cost to watch: the APR is 19.99% on the Flex balance
- Support runs on help centre only, with no other channel listed
Who it suits
- Travellers who spend in other currencies and want a currency conversion fee of 0%
- Anyone who wants a credit card with an annual fee of £0 and a monthly fee of £0
- Cashback seekers on premium plans who want 1% back at chosen retailers
Who should look elsewhere
- Chime Card (Secured Visa Credit Card), if you would rather build credit against a secured balance than hold a fee-free credit card
- Varo Believe Secured Credit Card, if you want a secured balance rather than a no-annual-fee everyday card
- Bitpanda, if a card with an annual fee of €0 quoted in euros suits you better
Fees and currency costs
Curve runs on a no-annual-fee model, so the annual fee is £0 and holding the base plan adds nothing. The currency conversion fee is 0% on the travel card, with fee-free spending abroad up to the plan limit. Borrowing is the cost to watch: the APR is 19.99% on the Flex balance, well above what holding the card costs.
Where it sits among rivals
On annual fee, Curve ranks 1 of 301 brands, at the floor of the table. On APR it ranks 65 of 133, so borrowing sits mid-table. On currency conversion fee it ranks 1 of 181, the strongest of the three measures. Cheap to hold and to spend abroad, less competitive once you borrow.
How Curve compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2Bitpanda lists an annual fee of €0, another fee-free card to weigh against Curve.
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
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
Does Curve charge an annual fee?+
The annual fee is £0 and the monthly fee is £0, and Curve sits on a no-annual-fee model. That puts it at 1 of 301 brands on the annual fee ranking, so the cost of holding the card is as low as it goes.
What is the currency conversion fee?+
The currency conversion fee is 0%, and spending abroad is fee-free up to the plan limit. Curve ranks 1 of 181 brands on this measure, so foreign spending is where the card pulls ahead of rivals.
Does Curve pay cashback?+
Yes, cashback of 1% is paid at chosen retailers and on non-European currency spend. The rewards rate applies on premium plans, so the rewards sit with the paid plan rather than the base card, and the reward type is cashback.
Which network does the Curve card run on?+
The card runs on mastercard, so it works wherever Mastercard cards work. That network is behind 38.5% of the cards compared here, while Visa accounts for 58.6% of them.
Who issues the card, and where are they regulated?+
The card is issued by Curve Europe, UAB, based in Lithuania, and it holds a payment institution licence there, PSD_EMI 305626541, issued by the national regulator listed as LT_BL. It issues a credit card on a no annual fee.
How can you get help from Curve?+
Support runs on help centre, the main self-service route for questions about the card. For a query the help centre does not settle, that is the only route listed, so expect to resolve most questions yourself through it.
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, Card network
“you will earn 1% cashback on transactions in non-European currencies - Curve Pay Pro”
- 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, Monthly fee
“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 7 source pages, checked September 26, 2026. We did not open an account.
Curve
Travellers and cashback seekers who want a fee-free credit card on the Mastercard network.