Curve Cashback: Maximising Rewards on Your Spending

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Curve, the innovative financial app that allows you to combine multiple cards into one smart card, offers various cashback opportunities to its users. This article explores the different ways you can earn cashback with Curve and how to maximise your rewards.

How Curve Cashback Works

Curve provides cashback in the form of Curve Cash Points. These points are valued at 1 point = £0.01 and can be spent using your Curve Cash Card. Your Curve Cash balance is always shown in real currency.

It's important to note that Curve Cash Points can expire after 6 months and are forfeited if your Curve account is closed. Always refer to Curve's terms for the most up-to-date information.

Cashback Opportunities

1. Referral Program

Curve has introduced a new referral program that offers 1% cashback on all spending for 30 days for every friend you successfully refer. This cashback is capped at £30 per month, allowing frequent referrers to earn up to £360 per year.

2. Premium Plan Cashback

Curve Black and Curve Metal subscribers can earn additional cashback:

• Curve Black: 1% cashback at 6 selected retailers

• Curve Metal: 1% cashback at 12 selected retailers

3. Automatic Cashback

UK customers receive instant cashback when shopping at select retailers, such as Argos (up to 3.5%) and IKEA (up to 3%).

4. Personalised Offers

Curve occasionally provides one-time cashback offers tailored to your spending habits, such as 10% cashback at Costa or Morrisons.

5. Foreign Spending Cashback

Curve offers 1% cashback on foreign currency transactions for customers on certain plans. This feature can be particularly valuable for frequent travelers or those who make international purchases.

Curve Cashback Retailers

Curve offers cashback at a wide range of retailers across various categories. Here's a selection of popular cashback retailers:

Groceries

• Aldi

• Asda

• Tesco

• Sainsbury's

• Morrisons

• Waitrose

• Whole Foods

Entertainment

• Netflix

• Spotify

• PlayStation Network

• Xbox Network

Shopping

• Amazon

• ASOS

• Apple

• H&M

• IKEA

• Zara

Food & Drink

• Burger King

• Costa Coffee

• Deliveroo

• Just Eat

• McDonald's

• Starbucks

• Uber Eats

Travel

• Booking.com

• easyJet

• Marriott International

• Shell

• Trainline

• Uber

It's important to note that the specific retailers and cashback rates may vary depending on your Curve plan and current promotions.

Curve and American Express (No Longer Supported)

Previously, Curve allowed users to add American Express cards to their Curve account, enabling them to earn Amex rewards points while using the Curve card. However, this feature is no longer supported.

Why American Express is No Longer Supported

In January 2019, American Express withdrew its support for Curve, citing concerns over the business model. Since then, Curve has been unable to process American Express transactions.

Alternative Options

While American Express is no longer supported, Curve users can still add and use a wide range of Visa and Mastercard debit and credit cards. This allows for potential "double-dipping" on rewards:

1. Earn cashback or points from your underlying Visa or Mastercard

2. Earn additional cashback through Curve's own rewards program

For those looking to maximize travel rewards, consider linking popular Visa or Mastercard travel rewards cards, such as the Barclaycard Avios Mastercard or the Virgin Atlantic Reward Mastercard, to your Curve account.

Cashback Stacking - Quintuple Dipping?!

One of the most powerful features of Curve's cashback system is the ability to stack different cashback offers and combine them with rewards from linked cards. This means you can potentially earn multiple layers of rewards on a single transaction, significantly boosting your returns. Here's how it works:

1. 1% inter-regional FX cashback (available for all tiers)

2. 1% referral cashback (when active)

3. 1% new customer sign-up cashback (for new users)

4. 1% premium merchant cashback (for Curve Black and Metal users)

5. Rewards from your linked card

For even greater rewards, consider linking a high-earning rewards card such as:

• Capital on Tap Business Rewards card: Earns 1 Avios per £1 spent

• Barclaycard Avios Plus: Earns 1.5 Avios per £1 spent

Example Scenarios

Let's look at how this stacking can work in practice for different spending amounts:

Scenario 1: £100 Spend

Imagine you're a new Curve Metal customer, shopping at one of your selected cashback retailers whilst at home in the UK, using a linked Barclaycard Avios Plus:

1. Referral cashback (if active): £1.00

2. New customer sign-up cashback: £1.00

3. Premium merchant cashback: £1.00

4. Barclaycard Avios Plus rewards: 150 Avios

Total rewards: £3.00 cashback (3% of your spend) + 150 Avios

Scenario 2: £2000 Spend

Now let's consider a larger purchase of £2000 under the same conditions. For example, a Marriott hotel in California:

1. Inter-regional FX cashback: £20.00

2. Referral cashback (if active): £20.00

3. New customer sign-up cashback: £20.00

4. Premium merchant cashback: £20.00

5. Barclaycard Avios Plus rewards: 3,000 Avios

Total rewards: £80.00 cashback (4% of your spend) + 3,000 Avios

The Power of Cashback Stacking

As these examples demonstrate, the ability to stack cashback offers and combine them with rewards from linked cards can lead to significant returns, especially on larger purchases or when traveling abroad. Here are some key points to remember:

• The 1% inter-regional cashback is now live for all tiers, making Curve an excellent choice for international spending.

• There are no foreign exchange fees on any of your cards when using Curve abroad.

• The combination of no FX fees, 1% inter-regional cashback, and rewards from linked cards makes Curve one of the best digital wallets for travel and foreign spending.

• By linking a rewards card like the Capital on Tap Business Rewards or Barclaycard Avios Plus, you can earn both cashback and Avios on the same transaction.

By strategically using Curve and taking advantage of all available cashback offers and linked card rewards, you can maximise your returns and potentially save a substantial amount on your purchases, particularly when traveling or making large international transactions.

Maximising Your Curve Cashback

To get the most out of Curve's cashback offerings:

1. Refer friends to earn 1% cashback on all spending for 30 days per referral

2. Consider upgrading to Curve Black or Curve Metal for additional cashback options and foreign spending benefits

3. Keep an eye out for personalised cashback offers in the app

4. Link a rewards-earning Visa or Mastercard to "double-dip" on your spending

5. Choose your cashback retailers strategically based on your spending habits

6. If you travel frequently or make international purchases, take advantage of the 1% cashback on foreign currency transactions

By leveraging these strategies, you can significantly boost your cashback earnings through Curve, making it a valuable addition to your financial toolkit.

Final Words

That’s all for now! We hope these tips help you maximise your travel rewards and have better experiences.

Safe travels, and always aim for the upgrade!

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Bye for now!