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Curve launches 1% cashback when you refer, on top of your existing Visa & Mastercard rewards

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This article is sponsored by Curve

Curve is a smart digital wallet that connects your debit and Visa and Mastercard credit cards into one single payment card. It has launched a new 1% cashback offer when you refer your friends worth up to £30 per month – and this is on top of your usual Visa or Mastercard rewards.

You will receive 1% cashback on all of your Curve spending for 30 days for every friend you successfully refer.

There is no limit on how many friends you can refer, and there is a generous limit on how much cashback can be earned in any given month – up to £30.

Regular referrers could earn as much as £360 every year with this new referral program. 

Curve launches 1% cashback on all spending

Curve lets you ‘double dip’ and ‘triple dip’ with cashback

‘Double-dipping’ refers to earning two sets of rewards or cashback on a single transaction. Because Curve operates as a super wallet in a single card, it’s primed for double-dipping. 

For example, Chase UK currently has one of the strongest cashback offers in the market with 1% cashback on all your spending for the first year. Chase customers could earn 2% cashback on all their spending by linking their Chase UK card to Curve and activating the Curve ‘refer a friend’ bonus. With a monthly cap of £15 on Chase and £30 on Curve, you’d receive up to £540 a year in cashback.

It gets even more lucrative, for Curve premium customers on a Curve Black or Curve Metal plan who can ‘triple dip’.

Curve Black and Curve Metal customers can earn an additional 1% cashback on up to 12 retailers of their choice, which includes all UK supermarkets, Trainline, TFL, Uber, and big brands such as Apple, ASOS and Amazon. If you have quite high monthly expenses, the 1% cashback alone can offset the cost of your Curve plan. 

As an example, if you’re a Curve Black customer and choose Amazon as one of selected retailers, you would select your Chase card in your Curve wallet to shop at Amazon, paying with your Curve card.

You will earn 1% cashback from Chase, 1% cashback from your premium Curve subscription and 1% cashback if you have recently referred a friend – a total of 3% cashback in a single transaction.

Curve launches 1% cashback on all spending

Which are the best cashback cards to maximise your returns?

Here are some of the best cashback credit cards, personal and business, which can be used with Curve and which let you ‘double dip’:

Card Reward Fees 
Santander edge credit card 2% cashback on all purchases in first year (£15 monthly cap) £3 monthly fees 
Chase UK 1% cashback on everyday spending (£15 monthly cap) Free 
Barclaycard Business card 
1% cashback on all eligible spend (2% cashback uncapped for three months until 2nd April) Free 
Capital on tap (business) 1% cashbackFree 

You can also add popular Visa or Mastercard travel rewards cards, such as the Barclaycard Avios Mastercard and the Virgin Atlantic Reward Mastercard, to Curve.

This would allow you to earn frequent flyer miles via your underlying credit card as well as earning cash via Curve.

Curve launches 1% cashback on all spending

Why Curve is a rewarding way to pay

Referrals aren’t the only way to earn cashback with Curve.

UK customers get instant automatic cashback every time they shop at retailers such as Argos (up to 3.5%), IKEA (up to 3%) and many more.

There are also one-time cashback offers which are personalised to your spending habits. Recent offers have included 10% cashback at Costa and 10% cashback at Morrisons.

This is on top of the retailer cashback offered to Curve Black and Curve Metal customers. Curve Black customers get 1% cashback at up to six retailers of their choice and Curve Metal customers get 1% cashback at up to 12 retailers.

And, of course, it is on top of 1% cashback you can earn for 30 days (capped at £30) every time you refer a friend to Curve.

Curve is the only wallet which offers a way to earn cashback on top of the Visa and Mastercard cards you use already, which makes it unlike any other financial product in the market right now.

Find out more here or download the app

Comments (88)

  • Adam says:

    Customer service is non-existing. I had a charge on my underlying virgin card labelled as curve. The trouble is that charge does not even show up on curve timeline. No reply to request to investigate. Will have to do a chargeback through Virgin.

  • StillintheSun says:

    Re: customer service. I have never found it a problem. I have always received fast responses to any queries I have had including abandoning the card. I wonder if it is because I paid a tenner to become a “funder.” I can’t remember quite why now but I suspect it was for some vulgar reason like getting a a card with “Investor” written across it in big letters. Any other financial hawks feel that they get good service?

    • Gosia44 says:

      Do you work for them? No one I know ever had positive experience.

      • Mr. AC says:

        Don’t work for them, reasonably ok experience as well. Responses within a day, couple of chargebacks that went in my favor using the Curve Customer Protection, missing cashback (for an IHG stay) paid out after chasing.

        • Gosia44 says:

          I pay for Metal and on multiple occasions they responded five weeks after I requested support via chat in the app. If you consider five weeks reasonable then I guess we expect different service quality.

          • Mr. AC says:

            Wow. Hasn’t been my experience at all… Maybe they occasionally get overwhelmed and you got unlucky? Or I got lucky I guess.

          • CarpalTravel says:

            5 weeks? You did well! They just ignored me completely. 3x seperate messages, the last being 11months and counting.

        • Gael says:

          We have also had reasonable experience with queries, some long waits a while ago but lately very prompt, same day even. Maybe they are trying to get their act together? Two free cards in the olden days worked well for us as we spend 5 or 6 months in NZ but most (not all) income arises in UK, plus point earning cards are UK. With all the many recent changes we struggled at first but have come to terms with one free card and one Black. Still the cheapest way for us to earn points and not pay fx fees on daily spend. If you know a better way, please post it

  • Cranzle says:

    Is anyone successfully topping up ISA’s or SIPPs using Curve? If so, with which provider(s)

  • Harrier25 says:

    Shachar Bialick will probably go down as the worst entrepreneur in recent times. What an idiot!

    • Cranzle says:

      ‘Entrepreneur’ in today’s age seems to mean spunk away as much investor cash as you can on marketing (and your salary) and then sell to PE / VC.

  • TS77 says:

    What cards can be linked to Curve for Fronting nowadays? I understand HSBC Premium CC no longer works, are we down to just Barclaycard?

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