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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 here via my refer-a-friend page, which gets you £5 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.

Comments (141)

  • illuminatus says:

    I hate these temporary cashbacks as you can never remember which card has which.

    That said, I simply love Curve – I easily recoup the annual Curve Metal cost via permanent Ocado/Amazon cashback alone, then ear around 100 quid on top; I also enjoy some savings on FX while earning points, and then finally comes the ‘seagulls perk’, as well as the ‘turn around perk’…

    • CarpalTravel says:

      Supermarket and Amazon is BAPP dream stuffs for me.

      What is the seagulls thing? Seen it mentioned here a few time.

    • aDifferentSimon says:

      how does the ocado cashback work?
      I didn’t know that possible?
      We get 2 deliveries each week and this would really help!

      • aDifferentSimon says:

        Ah, just found the list of retailers you can add as your 6 to get 1%. Ocado is on the list. Never knew that.

  • 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.

  • Pid says:

    No offers showing for me

  • Super Secret Stuff says:

    5% cash back at Five Guys? Amex listen up… you could learn a thing or two from Curve (nom nom nom)

  • Craig says:

    Hello Fresh £10 back, looks like I might be having another weeks worth when the Amex offer ends?

  • Ken says:

    Selfridges 10% with my Santander (max £50).
    10% mountain warehouse
    15% Hawes & Curtis.

  • rams1981 says:

    Nothing for me as a metal user

  • HughM says:

    Not on blue

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