Curve adds 1% cashback to its cards – you can double-dip with your existing Visa and Mastercard rewards!

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Curve Card, the ‘all your cards [unless they are Amex] on one card’ card, has just launched its new rewards program, called Curve Cash.

As a reminder, Curve offers to consolidate your entire card portfolio into one card, letting you pay with a Curve Card and re-charging your preferred linked credit or debit card.

Key benefits of Curve Card for points collectors include:

being able to pay abroad and have the charge re-charged (in £) to your linked miles and points Visa or Mastercard, with either a 0% or a very low FX fee – far lower than the standard 3% on your underlying card

being able to withdraw £200 of cash from an ATM every 30 days and have it recharged as a PURCHASE to your linked Visa or Mastercard (unless it is a NatWest, RBS or Tesco card)

It is particularly useful in combination with rewards credit cards in situations in which retailers do not (or charge a premium to) accept credit cards but do take debit cards.  HMRC is a good example – you can pay your tax with Curve and have it recharged to your linked credit card as a purchase, earning reward points.  Last week we looked at the value of signing up for a Curve Card.

Curve Cash lets you ‘double up’ on your rewards

This new program works in addition to reward programs on your underlying cards.  This means you can ‘double dip’ on spend you push through your Curve Card.

The new scheme offers cashback at many top retailers.  You get different benefits depending on which card you hold:

Curve Blue (the free version): 1% instant cashback on up to three pre-selected retailers for 90 days.

Curve Black: 1% instant cashback on up to three pre-selected retailers indefinitely

Curve Metal: 1% instant cashback on up to six pre-selected retailers indefinitely

You can select the retailers you earn cashback at.   The choice includes top brands such as Amazon, Apple, Sainsbury’s, Waitrose, Tesco, M&S, Pret, TFL, Uber, Gett, Spotify and Netflix.  This is the full UK list:

Aldi
Amazon
American Golf
Apple
Arcadia Group
Argos
Asda
Ask Italian
ASOS
B&Q
Belgo
Bella Italia
Booking.com
Boots
BP
Burger King
Burton
Byron
Café Rouge
Caffè Nero
Carpetright
Clarks
Costa Coffee
Cowshed
Debenhams
Deliveroo
Dorothy Perkins
easyJet
EAT
Electric Cinema
Ernest Jones
Everyman
Feelunique
Foodora
Four Seasons Hotels
Gap
Gett
Goldsmiths
H.Samuel
H&M
Halfords
Honest Burgers
House of Fraser
IKEA
Intermarche
itsu
John Lewis
Just Eat
La Poste
Laithwaites Wine
Leon
Leslie Davis
Lidl
Marks & Spencer
Marriott International
McDonald’s
Miss Selfridge
Moss Bros.
Mothercare
Nando’s
National Express
Nero Express
Netflix
New Look
Ocado
Outfit
Papa John’s Pizza
Pizza Express
Planet Organic
Pret a Manger
River Island
Sainsbury’s
Selfridges
Shell
Spafinder
Spotify
Starbucks
T.G.I. Friday’s
Tate
Tesco
TFL
The White Company
The Works
Thorntons
Topman
Topshop
Trainline
Uber
Virgin Experience
Virgin Trains
Wahaca
Waitrose
Wallis
Waterstones
Whole Foods
Wilko
Wyevale Garden Centres
Yo! Sushi
Zara
Zizzi

A quick back-of-the-envelope guestimate is that a Curve Black cardholder should be able to easily earn £5 cashback per month (50% of the monthly fee) and a Curve Metal cardholder £7.50 (60% of the monthly fee if you are on the £150/year option).

This assumes that your top three choices account for £500 per month of spending (let’s say TFL, Pret and Waitrose) and your top six choices account for £750.

It could be a lot more, of course.  If you have a family and are spending £100+ per week at Waitrose, Asda, Tesco, Lidl, M&S, Aldi or Sainsbury’s then you would generate £5 per month just from your top merchant.

This is a fairly good selection although you should do the maths before you select your retailers.  Netflix and Spotify, for example, would yield fairly low cashback despite their recurring transactions: 1% on £9.99 is only 9p a month.  You are likely to spend far more at supermarkets, Amazon or TFL.

If you use a Visa or Mastercard as your primary rewards credit card – which probably means you focus on the Virgin, Lufthansa or IHG Premium products instead of a BA Amex – you should do the maths to see if Curve Cash makes it worthwhile getting a Curve Card.

If nothing else, Curve Cash should be worth at least £10 to you if you apply for the free Curve Blue (plus £5 for using my referral code, see below) if you spend £300 per month at your chosen Curve Cash retailers.  After 90 days, however, the free Curve Blue stops giving rewards.

You can find out more about Curve Card in our full recent review here.

PS.  If you applied for Curve before February 2018, you will remain by default on the old Curve Rewards scheme.  This has a smaller list of merchants but a higher cashback rate.  You can switch to Curve Cash by contacting Customer Services.  This may not make sense for everyone, depending on which plan you are on – you should have received an email in the last 48 hours explaining your options.

PPS. Remember that Curve will pay you £5 for trying it out if you use my referral code of OQB4J – a £5 cash credit will be added to your Curve Rewards balance.  If you click through via the link here and then download the app it should track automatically.  If it doesn’t, add the code when you register your details in the app – you will see a box to insert it.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

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Comments

  1. Nick M says:

    I’m on the Legacy Black plan… if we switch from Curve Rewards to Curve Cash, do we then need to start paying the monthly fee?

    1% back at 3 of the new retailers will be better for me than 3% on the existing selection – but don’t really want to pay £10/month for this at the moment

    I also imagine that if they are paying 1% back that they might monitor transactions a bit more? – eg if I suddenly starting spending £1k/month in supermarkets…

  2. Can you swap between retailers or is it fixed?

    If you can swap how long does it take to change between retailer/frequency?

    • That I do not know … I am on the old legacy scheme so I can’t see it in the app. In early discussions there was mention of switching every 6 months or so.

    • PaulC says:

      Blue (FREE) is fixed unfortunately so choose wisely.

  3. Michael C says:

    OT (Skyscanner): For a Singapore Airlines flight that costs 680 GBP on the airline page, Skyscanner is giving me 560 via Opodo: should I be suspicious? Or when I add in all the details on Opodo, will it wack on some bizarre “extra” at the end to make the price the same?

    Cheers!

    • MarkH says:

      Why not search the flight on opodo and see…

      • Michael C says:

        Sorry, you’re right – I have, but haven’t put in all the credit card details etc., and have never bought a flight off them, so just wondered if there was anything to watch out for. I didn’t realise these sites could be cheaper than the airlines themselves.

        • Shoestring says:

          not always a good idea to go indirect (OTA) if the saving isn’t significant, in fact it can be a very bad idea

          • Jonah says:

            I would say £120 here is significant. Over 20%. I’ve often bought flights from OTAs and never had any issues. Yes I know about consequences of not booking direct if the flight is cancelled etc. Never had an issue.

        • Jonathan says:

          Contact Singapore Airlines, asking them if offer a price promise.

          BA do (but ONLY on flights they themselves operate), Virgin Atlantic don’t, when I was going to buy a flight with them and saw the same flight being sold cheaper, (same baggage conditions etc.) they said by all means get the cheaper ticket, this was before their three different types of Economy tickets were launched.

          • Michael C says:

            Thanks for that!
            It’s for three tickets, so it would add up…

          • Michael C says:

            Found this, but looks like you have to pay the higher one then claim back…

            With our Best Web Fare Guarantee, you are assured that you won’t find a better fare for travel on Singapore Airlines anywhere else on the web. If, by midnight on the calendar day of purchase (based on local UK time), you find a Singapore Airlines fare that is at least £5 less than that quoted for the exact same flight, booking class, and itinerary on the website of a Singapore Airlines UK Appointed Agent, we’ll refund you the value of the difference. The original itinerary must have been purchased through singaporeair.com, originate from London Heathrow or Manchester Airport, for travel on Singapore Airlines

    • I had a similar thing with British Airways. An online travel agent was giving me about £80 discount compared to the British Airways website itself. I went through the cheaper option, and it was all fine and I flew the flight without problem. The difference was that the online travel agent was able to book in to a lower fair bucket that was normally only given to those as part of a package holiday. How do I fiddled I probably would have been able to get it with British Airways direct by adding a one-day car or something like that on

      • The agent broke his deal with BA however. You were lucky that BA gives Avios and TP on these tickets as many airlines do not.

    • marcw says:

      Flights is all fine. Usually you can find cheaper plane tickets on skyscanner. The funny bit is that you can change from country to country and find the cheaper option.
      Additionally, skyscanner usually offers connections/itineraries and fares that airline pages don´t show, especially on the JBA routes.

  4. luckyjim says:

    My card is black but I’m not paying a monthly fee. How can I tell if I’m on black Ts and Cs or not?

    • the_real_a says:

      Top Left menu (three lines) -> Earn Curve Rewards -> See Retailers -> If you are showing 3% on a range of retailers then you are on the legacy scheme.

  5. As I see it there’s an opportunity cost to using Curve for a supermarket shop because it would mean not using Amex. Particularly as they’ve offered me 2 MR for £1 spent as retention.

    So can anyone spot a retailer on the list who doesn’t accept Amex, as that would have genuine value?

    • James says:

      B&Q

    • I agree. Feel this is an odd article, as the majority of the shops listed accept Amex. And as Rob always reminds us, MR are the best value.

      • Except when it’s not. If you shop at Waitrose with Curve linked to the free Vigin Mastercard, you’re getting 1% + 0.75 miles. Use IHG Premium and you’re getting 1% + 2 IHG points. Use the Miles & More card and you’re getting 1% + 1.25 Lufthansa miles.

        All of these combos are substantially better than anything Amex can offer you.

      • Thomas Howard says:

        It depends what works best for you: 1p + 0.4 Avios (Lloyds)/0.5 Avios (HSBC) or 1 Avios per £1.
        If you value an Avios at 1p then using Curve with a lower earning Visa/Mastercard is better, if you value Avios higher than 1p then Amex will be better.

        • Genghis says:

          You can buy avios at 1p almost constantly. Cannot value higher than you can substitute them for cash.

    • B&Q is the only big retailer which doesn’t take Amex.

      But Curve 1% + a good reward Visa / MC will beat any Amex reward.

      • Freddy says:

        Though you would have to account for the £10 per month fee with curve. Pricey if you don’t need or want the insurance products

        • Also a particularly good deal if you have a Tesco debit card for use at Tesco’s. It would 1 Clubcard point (so 2.4 Avios) + 1% (+ another .25 Clubcard point, if you link your Curve to Pay+). It is hard not to see this a rebate of part of the monthly Curve fee though. It’s not coming out of interchange fees!

          • Genghis says:

            But would Tesco bank recognise the spend as Tesco (1cc/£) or as Curve – Tesco (1cc/£8)? My best guess is the latter

  6. TfL*

  7. Currently about to hit £100,000 limit on my Curve. Anyone managed to get higher limit?

  8. Graham Walsh says:

    I am legacy black and when I go into the section for Earn Curve Rewarads I just get a See Retailers button which takes me to a web page. I’ve not earned any rewards since a referral in Nov 18. Starting to give up on Curve and find another FX card.

    • Graham Walsh says:

      What I forgot to mention was, there is no where to select my 3 retailers in the app.

  9. James says:

    Would eligible supermarket spend include fuel from their own filling stations?

    How does one receive the reward and in what form? How regularly?

    • Genghis says:

      Curve wallet (which you then select effectively as an underlying card and spend from). Instantly.

  10. Stephen says:

    How does using Curve to credit directly to Virgin, compare with using Tesco Debit card for Clubcard points which can then be converted (with bonus) for HMRC payments?

    • Genghis says:

      Virgin + = 1.5/£
      Virgin normal = 0.75 / £
      Tesco debit assuming 20% bonus = 0.375 / £

  11. Geoff says:

    Any concern with using Curve for Internet shopping, in terms of Consumer Rights Act?

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