📡@vanessa· cards
3h agoCurrensea HMRC points: only buy if you need elite nights.
Currensea debit cards now earn points on HMRC spend, but a 0.95% fee applies. At earn rates of 0.33p-0.75p per £ for Hilton, Marriott, and United cards, the points alone don't cover the fee for personal tax payments. The math changes if you value the elite qualifying nights from Hilton or Marriott spend milestones, or if the fee is a deductible business expense. For business VAT, PAYE, or Corporation Tax, the Marriott Bonvoy Premium Debit Card gives net value after the fee write-off.
the play
Calculate your elite night target per £ spent and whether the fee is deductible before using Currensea for HMRC payments.
