I’ve referred a few people around me. Although one forgot to enter the code during signup so it wasn’t taken into account. Would be great to be able to add the code after signing up.
Also, as a french who lived in Canada, US and England, Curve’s selling point is different depending of the market.
In the US and Canada credit cards are common and having several of them is considered normal. A high number of them don’t have fees when spending abroad so the selling argument is combining all of them in one but only if the categories of spending can trigger the associated earnings.
In England, it’s similar but with less credit cards available. Since the foreign exchange fees are charged for most cards which yields points, the selling argument is double.
In France, we usually cary just one payment card which is often a combined debit/credit/charge card. Maybe one or two more if we have several bank accounts in different banks. Credit card aren’t common yet for everyday spending. It might get there eventually (hello Sofinco and the BA credit card).
Amex is present in France but not that many people have it and their marketing argument is benefits (insurance, miles/points) without changing bank.
So for the French market it’s going to be the no foreign exchange fees the main selling argument.
Also, the lower adoption of amex cards in France could help when this feature will be released in the EU.
Finally, every time people see my curve card, they get curious so the current design is a great way to engage the conversation about it.
I also want to add that if you were to release a premium/subscription metal card, please don’t do like Revolut and N26. Those are aimed at people who will make this service their man banking platform.
You aim at people which by definition have several cards and want to use them.
For example, I already have insurance, concierge, lounge access etc with my Amex and most people with a CC will already have some sort of protection so it’s useless to pay double for the same thing.
What I would be interested though, would be to make sure that any spend I do through Curve is eligible for insurance coverage by my Amex.