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NEW: Curve Card launches cashback rewards

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If you have a Curve Card sitting in a drawer, you may want to dig it out again.

Curve has launched a new cashback rewards programme. This allows you to earn cashback, credited to the ‘Curve Cash’ part of your Curve account, when you spend at qualifying retailers.

I don’t know:

  • if this is currently targeted to specific people or card types
  • if this replaces the previous Curve Rewards programme

You must opt-in to each individual retailer offer. There is no ‘add all’ option and, in a bad bit of design, you need to open each offer individually before you can save it to your account. It also isn’t made clear that you do need to opt-in.

Curve Card launches cashback rewards

What is Curve Card?

Here is a quick reminder for new readers about how Curve works. To learn more, read our introductory article to Curve Card here.

Curve Card is an intriguing payment product which has something offer to miles and points collectors.  The key thing to remember is that Curve Card is free – in fact, they pay you £5 for trying it – so you have nothing at risk.

Curve is NOT a bank accountCurve is simply an intermediary card, a Mastercard to which you can link all of your existing Visa and Mastercard payment cards.

Via the Curve app you can select which linked card you want to use at any particular time.  Curve transactions are automatically recharged onto that card.  Even if a shop does not accept credit cards at all, only debit cards, you can still pay with your Curve Mastercard, which is a debit card, and earn miles on the underlying Visa or Mastercard.

You will even earn miles and points on ATM cash withdrawals up to certain limits.

You can find out more about Curve in this article. You can sign-up via our link here which gets you £10 for joining.

How do I find Curve cashback rewards?

Open the Curve app and click on ‘Rewards’ at the bottom. If you get a blank screen, try fully closing the Curve app and reopening it.

You will see a screen like this:

Curve Card launches cashback rewards

I don’t know if the offers list is personalised or not. This is what I see:

  • 5% at or
  • 5% at Five Guys
  • 5% at Coach
  • 5% at Kate Spade
  • 5% at Selfridges (£30 cap, note)
  • 5% at Hawes & Curtis
  • 5% at Quiz
  • 5% at FatFace
  • 5% at Harvey Nichols (online only)
  • 5% at Kidly
  • 5% at Amazon Fresh
  • 5% at Mountain Warehouse
  • £10 at HelloFresh

Some of these offers are doing the rounds on other cashback schemes, and are often more valuable. My MBNA credit card, for example, is offering 7% at FatFace, 10% at Harvey Nichols online, 10% at Coach, 10% at Kate Spade and 15% at Hawes & Curtis.

Is Curve simply negotiating poorer deals because of its smaller size, or is it pocketing the difference between what MBNA is giving out and its own cashback? That said, I haven’t seen a Selfridges offer anywhere else.

Does cashback replace Curve Rewards?

I don’t know if this replaces the old Curve Rewards programme. The Curve website still talks about Curve Rewards and does not mention the new cashback programme.

Curve Rewards was primarily a time-limited scheme for most people:

  • free Curve Card holders got 1% cashback at three retailers, chosen from a list, for three months
  • £50 Curve Black holders got 1% cashback at three retailers, chosen from a list, permanently
  • £150 Curve Metal holders got 1% cashback at six retailers, chosen from a list, permanently

This new scheme offers higher rewards and the list of participating retailers will change on a regular basis.

There is no downside – except that so many credit and debit card issuers are now offering cashback rewards, it is increasingly hard to keep up with them, and their impact will inevitably drop.

Want to earn more points from credit cards? – December 2021 update

If you are looking to apply for a new credit or charge card, here are our November 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and an Economy 2-4-1 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers.

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending:

Barclaycard Select Cashback Credit Card

1% cashback and no annual fee Read our full review

Comments (128)

  • Crafty says:

    Must be personalised to a degree, I have Pasta Evangelists for example.

    • Rob says:

      …. which I have on my MBNA card at 15% ….

      • TGLoyalty says:

        Also 15% on curve.

      • Doug M says:

        Yes 15% on my Curve for Pasta Evangelists, 10% for Just Eat and lots of 5% ones, with a £10 (for £30 spend) on Hello Fresh.

      • Anuj says:

        I have it at 15% on Curve

  • TGLoyalty says:

    This is an additional rewards scheme over and above the existing 6 loyalty merchants for metal holders for example.

    • TGLoyalty says:

      It’s still showing in the app as and the official FAQ says this

      Can I earn both Curve Rewards ca$h back and 1% Curve Cash from the same retailers?

      Yes! If you’re benefiting from the 1% Curve Cash Programme and you have used an offer from the same retailer, you’ll get both rewards credited to your account, for example:

      If you’re a Metal or Black premium customer with Amazon selected as one of your 1% Curve Cash retailers, and you have activated a 10% Curve Rewards offer from Amazon, you will earn a total of 11% ca$h back

      Perhaps a bug? Or if you’re not black/metal your 90 days has run out?

      • CarpalTravel says:

        Thanks for that, all seems pretty clear then. Like you say, there must presumably be a glitch in the matrix somewhere. <:oD

  • Catman99 says:

    I have 5% back at NS&I……

  • Alan says:

    Pretty uninspiring list so far – not quite as random as some Amex Offers but very similar to the Lloyds/MBNA/etc ones.

  • Kevin C says:

    My offers are ‘being prepared’ despite opening several times and updating the app.

    Is there a way of seeing what Metal cash back partners you have? I don’t remember what I chose.

    • illuminatus says:

      Yes, on ‘wallet screen’, click on ‘Curve Cash’ card name, and then again on “Curve Cash’ underneath the card

    • cinereus says:

      Typically with Curve glitches like this you need to uninstall and reinstall.

  • MattB says:

    My Santander cards have 5% back at selfridges, not as good as the 10% before Christmas though.

  • Alex says:

    I have the same list as you Rob – all of which are useless to me or I have better on another card…

  • Kate Last says:

    What’s the business model for this card? I assume that the underlying credit card continues to make the same charges?

    • Rob says:

      It has never been clear 🙂

      As with many similar services, eg Revolut, it was designed to lose money on the basis that once there was a bunch of users they could change direction and start making money. Curve Credit is about to launch, for example, which is a Klarna-clone. Fees have also been creeping up.

      My view is that Curve is now too complex (for a product designed to make life easier) and has no killer feature that consumers actually want.

      • Kevin C says:

        Curve seems to have a tie-in with Samsung Pay as well.

      • Matt says:

        The FX aspect is the best example of Curve just not being workable. If it was free FX (as they suggest) then I’d probably use it abroad. Having to work out when the weekend is in a different time zone to avoid fees makes it useless.

        • TGLoyalty says:

          In reality you barely notice there is a fee.

          I’ve compared what Curve charged and what direct via clarity charged when it posted and the difference is negligible

      • tom1 says:

        Thanks for not using ‘pivot’ there Rob. It’s up there with ‘manifest’ for me.

      • CarpalTravel says:

        Especially without Amex. It can never be a one stop card shop for me without them I am afraid. If they did I would consider either a higher subscription or (very) small percentage charge on Amex related transactions.

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