Looking for people in a similar position to myself and what your opinions are.
I am a very early curve adopter and have 3% rewards on my black card.
I am self employed and paying HMRC with curve via AMEX is very appealing and will probably become my go to churn for 2 x 241 BA now.
- stay as I am on the grandfathered card, but this will have no free Amex use (annoying as I took the curve card out for this purpose initially) spend 2 x £10000 @0.65% is £130.
- move onto new black and get the free £1000pm but in reality in a churn cycle this would only mean £4000 free top up dec/jan and jun/jul plus £10pm for 8 months (then 12) is £184 (then £224). The insurance etc is of little use. 3% rewards maybe lost.
- upgrade to curve metal, rather than just the 2 x £10000 for the 241 vouchers pay all of HMRC bill of around £50000pa with curve via amex fee free. £15pm for 8 months (then 12) is £120 (then £150 annual). Again insurance etc not needed. Old benefits maybe lost.
I am leaning towards upgrading to the metal card. But wanted others opinions. I don’t want to upgrade and then wish I hadn’t and not be allowed back onto my grandfathered benefits after all this time.