Black card users get (currently) 1% cashback for 3 specified merchants & unlimited cards.
3 goes to 6 in January
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Yes, but that’s the flex plus I think. Up to a few years ago you got free travel insurance with the free flex account. As I say, they dropped it because few people were using it. I was one of I suspect many who used it but never made a claim.
Nothing much. Yes you get discounted lounge access and yes you get 6 rather than the current 3 retailers. But I’ve found that in practice I get the vast majority of my cashback from just 3 (6 now on metal going to 12).
In practice too, the three cards on free will do me just fine for Gbit.
The free overseas use is much lower on free but then I generally switch the currency of the underlying card to EUR or whatever to avoid the 0.5% weekend charge from Curve so no loss there either.
I’m pretty sure the GBIT is very limited on the free plan. To full on use curve I’d want to be able to move 50+ transactions a month (from a credit card to my Plutus card).
It is limited. Very much so on the free plan.
Now that I have unlimited GBIT, it’s noticeable that I barely use it.
I’m definitely going to need to do the number crunching by renewal date (May). The jury is out.
This is a good point. Although I’ll be going to 6 in January, I can’t think who I’d bring on board. My current 3 are big boys and I use them pretty much exclusively. 
This thread prompted me to use my free 3 GBIT allowance to pay off part of my credit card bill - £3.50 in cashback raised 
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Going from 3 to 12 would be way down the curve for me too. In theory I’d add BA but then I get the Avios on that from Amex. Aer Lingus maybe as Junior #1 uses that for uni flights but you’re only talking £100-ish every three months or so Vs £100/week on Sainsbury’s so not that worthwhile. Probably the ferry but even that’s only £700/year.
The only time I’ve used much more than 3 Gbit in a month was when changing from one CC to another and there are other ways I could have done that. Most months it’s once, sometimes twice.
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Not a huge fanbase here, I know, but I applaud this type of message, particularly when they’ve previously struggled with customer comms.
Signs they’re trying.
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Isn’t that you on the right waving goodbye to them?
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I’ll keep mine. It’s handy for the odd thing, a shame as it could be genuinely useful on a day to day basis.
I am too, but downgrading from metal to free. With the loss in the insurance, there’s very little practical difference between metal and free for me.
I was initially thinking that I’d miss the free overseas use but lately I’ve changed the currency of the underlying card to EUR so I don’t pay the 0.5% at the weekend.
In fact, GBiT with three cards is just fine for me and I get the 1% elsewhere. The only thing I’m missing is the £180/year charge and I’m sure I could live without that 
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I’m in the same boat.
I kind of see it a bit like PayPal now that it’s been nerfed, useful for lifting the odd bit of money etc but that’s about it
The other interesting thing is that you keep all the cards you’ve added until they hit their expiry date so it’ll be a few years before I drop down to the three cards on free. You also keep the card and card number til that expires too.
They’ve seriously messed up in dropping the insurance I think. Particularly so doing it just after they increased the annual fee
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So I am in luck here. My metal card expires in April 2024, renewal is in June 2024. So by the time I downgrade, I would have just received a new card. And many of my most used cards on Curve would have just been renewed by then.
Just wondering….
For those assembled, what’s Curve’s primary function for you?
I only use it occasionally to enable me to pay with my watch (Garmin Pay), as none of my banks or credit cards support this natively. This is the reason I got Curve, and I’m on the free tier. Never used gbit, can’t see why I would ever want to move transactions between cards, why not just pay with the card you want to in the first place? (I’m sure I’m missing something here)