As with many users on this community I’m a little disappointed that Amex won’t be free to legacy Curve Black card holders. The new Curve Black and Metal offer worldwide travel insurance and gadget insurance and fee free Amex use (Curve Black: up to £1000/month, Curve Metal: unlimited subject to fair use) for a subscription. The Curve Metal also includes airport lounge access.
Aside from the Amex the additional benefits of the new Curve Black and Metal don’t justify the subscription cost to me. Many packaged current accounts come with free travel and gadget insurance. Those that have gadgets covered under their home insurance can pick up cheap travel insurance if needed.
I used to have a current account that came with extended warranty on purchases made on the card linked to the account which I thought was an excellent addition. Surely things like this would make more sense for a company like Curve to include instead of gadget insurance.
What kind of benefits would make you consider moving to a subscription model if Curve were to include it?