How to Combine Cashback Deals with Curve Pay

TL;DR: Curve Pay Makes Cashback Stacking Work Harder

Stack cashback from Curve Pay, your bank or card, and retailers in one transaction
Curve Pay offers 1% cashback on foreign spend, and deals at selected retailers
Use Go Back in Time® to switch cards after paying—so you never miss a better reward
Track everything in one app with real-time spend alerts, categorisation, and Smart Rules

Cashback is no longer just a perk—it’s a strategy. And when used right, it lets you earn money back on the spending you’re already doing. Better still, with cashback stacking, you don’t have to settle for just one reward source. You can combine loyalty points, card-based rewards, cashback apps, and Curve Pay’s own perks—all on the same transaction.

This guide breaks down exactly how to combine cashback deals using Curve Pay, what rules you need to follow, and how to unlock rewards on top of your bank or card’s own cashback.

What Is Cashback Stacking?

Cashback stacking means earning rewards from more than one source when you spend. It’s about combining:

Retailer loyalty programs (e.g. Tesco Clubcard, Sparks, Nectar)
Card-based or bank cashback
Curve Pay’s own cashback rewards
Third-party apps like TopCashback, Airtime Rewards, or Cheddar

Each source works independently—but adds up. According to Scrimpr, stacking even two or three cashback methods can return 5–10% per transaction—turning everyday spending into consistent savings.

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How to Combine Cashback Offers with Curve Pay

Here’s how to stack cashback with Curve Pay:

Link your existing cards (Visa, Mastercard, or Diners) to Curve Pay
Activate Curve Pay’s cashback deals in the app
- These include 1% cashback on foreign currency transactions (terms apply)
- 1% cashback on selected retailers with Curve Pay Pro and Pro+
- Ongoing retailer-specific cashback deals
Pay with Curve Pay as your contactless or online method
- This automatically adds Curve Pay rewards on top of any card cashback
Scan your loyalty card at checkout if applicable
Track it all in the Curve Pay app: view cashback earned, switch funding cards, or set Smart Rules
Fix mistakes with Go Back in Time®, letting you move a purchase to a better card up to 120 days later

The best part? You’re earning Curve Pay cashback in addition to whatever your bank or card normally gives you. That’s why it’s called stacking. Terms and limits apply - see Fair Use Policy for details.

For more ways to save across food, transport and retail, explore how to cut costs with everyday shopping using cashback and rewards.

Can You Use Multiple Cashback Reward Systems at Once?

Yes—and that’s the beauty of stacking. As long as the platforms don’t block each other, you can earn:

Loyalty points (Tesco’s Clubcard, Nectar, Sparks)
Card cashback (e.g. from Chase, or Barclays)
Curve Pay cashback (foreign spend or retailer offers)
Cashback site/app rewards

The key is to ensure each step is eligible. That means checking whether your cashback app allows for external promo codes, or whether a particular retailer blocks multiple layers.

Cashback is often declined if you use a non-approved discount code or forget to activate the cashback before paying.

Curve Pay helps here by centralising your spend—and letting you manage it all from one wallet.

Are There Any Restrictions When Stacking with Curve Pay?

There are a few things to watch out for:

Promo code conflicts: If you’re using a cashback app, only apply discount codes listed on that site to avoid losing the cashback
Retailer exclusions: Some retailers exclude digital goods, subscriptions, or gift cards from cashback eligibility
Time-sensitive offers: Curve Pay’s cashback and retailer deals may have expiry dates or merchant restrictions
Reward caps: Your bank’s card may have a cashback ceiling or limit per category

Real-World Example of Cashback Stacking with Curve Pay

Let’s say you’re shopping at M&S:

Scan your Sparks card at checkout (M&S loyalty)
Pay with Curve Pay, which is linked to a cashback credit card (e.g. 1% from Barclays)
If Curve Pay has a cashback deal active for M&S, you’ll earn Curve cashback on top
You’ll also benefit from spending visibility, instant alerts, and the ability to switch cards later if needed

In one purchase, you’ve stacked three reward sources—without any extra effort.

Can You Stack Cashback with Promo Codes?

Sometimes—but it depends.

Most cashback sites require you to use approved voucher codes only. If you use a promo code from a third-party email or influencer, your cashback may be declined.

Comparing Cashback vs Discount codes, We believe the best strategy is:

Click through the cashback platform first
Check if Curve Pay offers its own deal
Scan your loyalty card or app
Use approved codes only

Download Curve Pay

Conclusion: Curve Pay Is Built for Cashback Stacking

If you’re serious about maximising rewards, you shouldn’t have to choose between card perks, loyalty programs, and cashback platforms. Curve Pay brings it all together.

You’ll get:

Cashback rewards from Curve Pay on foreign spend and select merchants
Bank or card rewards from your linked account
Loyalty points from supermarkets and retailers
Full control via Smart Rules and Go Back in Time®
And instant visibility of every reward and transaction from one wallet

FAQs: Combining Cashback with Curve Pay

How do I combine cashback offers?
Activate cashback via Curve Pay, scan loyalty cards, and pay with a rewards card through Curve—all layers stack if compatible.

How do I master cashback stacking?
Set up Smart Rules, use approved voucher codes, and always check your cashback tracking. Curve Pay makes this easier by managing it from one app.

Can I use multiple cashback rewards systems?
Yes. Curve Pay works alongside your bank rewards, loyalty points, and third-party cashback apps—letting you stack all of them on the same spend.

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