The chatter on using the Curve Card is scattered around a bit, an instead of bumping one of the old threads I figured it might be easier to keep all the data points in a new thread going foward.
What doesn't work: No surprises here... Capital One, Chase, and Citi all see through the "CRV*" notation on the charge so this doesn't bypass their category exclusions, i.e. Walmart (I had to try, though).
What does work: I figured since Chase could 'see' a Walmart transaction regardless of the CRV notation, perhaps it would still trigger the 5% WM category this quarter... and it did:
This could be useful for taking advantage of a Freedom Flex category up to 30 days before the quarter starts; simply 'park' the charge on another card, then after the new categories are active use the Curve app to move the charge to the Freedom Flex, easy peasy. The above transaction was "moved" from my Citi Double Cash, originally made at my local Walmart store a couple of weeks ago.
I'm still hopeful that Discover will treat Curve card transactions the same way it did Paypal Key transactions, that is using it at Walmart during the grocery quarter will just be a standard 'grocery' charge (bypassing the WM exclusion) but of course there's no way to know without just trying it.
Curve still doesn't support Visa or American Express. I honestly don't expect it to ever support Amex, but IMHO lack of Visa support will prevent Curve from ever reaching its potential. If they're unable to get Visa on-board I don't see them staying around long-term.
@UncleB wrote:The chatter on using the Curve Card is scattered around a bit, an instead of bumping one of the old threads I figured it might be easier to keep all the data points in a new thread going foward.
What doesn't work: No surprises here... Capital One, Chase, and Citi all see through the "CRV*" notation on the charge so this doesn't bypass their category exclusions, i.e. Walmart (I had to try, though).
Interestingly, Target IS getting counted as "groceries" by Cap1 on the Savor card routed through Curve. This has happened at several locations across the nation. I don't think this is normally the case for Target? (Target/Walmart normally have the same exclusions on cards).
Biz - 
Authorized User - 
Debit Cards - 
is the curve card reporting to any cra?
@unsungivy wrote:
@UncleB wrote:The chatter on using the Curve Card is scattered around a bit, an instead of bumping one of the old threads I figured it might be easier to keep all the data points in a new thread going foward.
What doesn't work: No surprises here... Capital One, Chase, and Citi all see through the "CRV*" notation on the charge so this doesn't bypass their category exclusions, i.e. Walmart (I had to try, though).
Interestingly, Target IS getting counted as "groceries" by Cap1 on the Savor card routed through Curve. This has happened at several locations across the nation. I don't think this is normally the case for Target? (Target/Walmart normally have the same exclusions on cards).
If your local Target doesn't code as grocery when just using the Savor card by itself this will be notable, since in my tests Capital One has been able to 'see through' both Paypal Key (RIP) and Curve when using my Savor.
I've not tried using Savor (with or without Curve) at my Target, since I can simply use my Altitude Reserve w/Google Pay and get 4.5% back.
With Curve giving 1% in 'Curve Cash' to folks who signed up for the Beta it's effectively getting 6% back at Walmart this quarter when using Curve + Chase Freedom Flex. Not too shabby... 
@UncleB wrote:
@unsungivy wrote:
@UncleB wrote:The chatter on using the Curve Card is scattered around a bit, an instead of bumping one of the old threads I figured it might be easier to keep all the data points in a new thread going foward.
What doesn't work: No surprises here... Capital One, Chase, and Citi all see through the "CRV*" notation on the charge so this doesn't bypass their category exclusions, i.e. Walmart (I had to try, though).
Interestingly, Target IS getting counted as "groceries" by Cap1 on the Savor card routed through Curve. This has happened at several locations across the nation. I don't think this is normally the case for Target? (Target/Walmart normally have the same exclusions on cards).
If your local Target doesn't code as grocery when just using the Savor card by itself this will be notable, since in my tests Capital One has been able to 'see through' both Paypal Key (RIP) and Curve when using my Savor.
I've not tried using Savor (with or without Curve) at my Target, since I can simply use my Altitude Reserve w/Google Pay and get 4.5% back.
With Curve giving 1% in 'Curve Cash' to folks who signed up for the Beta it's effectively getting 6% back at Walmart this quarter when using Curve + Chase Freedom Flex. Not too shabby...
@UncleB, You can't use Discover with digital wallet quarter for 5%? ..(oh wait, you might not have Discover?)
I maxed both Discover quarters on PayPal in the 3rd, and now maxed both 5% G-Pay in the4th. Still gotta do Chase Freedom Flex PayPal for the 5%.
You know, it is getting pretty hard to keep up with you
@M_Smart007 wrote:
@UncleB wrote:
@unsungivy wrote:
@UncleB wrote:The chatter on using the Curve Card is scattered around a bit, an instead of bumping one of the old threads I figured it might be easier to keep all the data points in a new thread going foward.
What doesn't work: No surprises here... Capital One, Chase, and Citi all see through the "CRV*" notation on the charge so this doesn't bypass their category exclusions, i.e. Walmart (I had to try, though).
Interestingly, Target IS getting counted as "groceries" by Cap1 on the Savor card routed through Curve. This has happened at several locations across the nation. I don't think this is normally the case for Target? (Target/Walmart normally have the same exclusions on cards).
If your local Target doesn't code as grocery when just using the Savor card by itself this will be notable, since in my tests Capital One has been able to 'see through' both Paypal Key (RIP) and Curve when using my Savor.
I've not tried using Savor (with or without Curve) at my Target, since I can simply use my Altitude Reserve w/Google Pay and get 4.5% back.
With Curve giving 1% in 'Curve Cash' to folks who signed up for the Beta it's effectively getting 6% back at Walmart this quarter when using Curve + Chase Freedom Flex. Not too shabby...
@UncleB, You can't use Discover with digital wallet quarter for 5%? ..(oh wait, you might not have Discover?)
I maxed both Discover quarters on PayPal in the 3rd, and now maxed both 5% G-Pay in the4th. Still gotta do Chase Freedom Flex PayPal for the 5%.
You know, it is getting pretty hard to keep up with you
Yep, Discover + digital wallet is the way to go this quarter (I do have Disco - actually my largest credit line) but generally speaking I'll use my AR wherever possible since it doesn't require much thought, LOL. Luckily this quarter just using Discover doesn't require much thought, either!
This is a really good quarter for cash back.
