Free
credit card
Earn epic rewards with our free credit card
Earn points on everyday spending. Redeem them for rewards you’ll actually use. With no FX fees abroad.
Purchase rate
31.60% (var)
Rep. APR
31.6%
(var)
Based on a
£1,200 limit
Our Free Credit Card, at a glance
1x
points
1 point for every £1 spent
No fees on spend abroad
Award-winning app features
Up to £15,000 in credit
Plus your welcome offer
+1,000
points
When you spend £1,000 in 30 days
Turn points into dining, shopping, and travel you’ll actually love.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
(Just some member favourites, past and present)
Points that don’t collect dust. Just good times.
Free Debit Card
monthly spend
£1,500
each year get either
Dining
+£342
Shopping
+£414
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Airport Lounges
+£270
Entertainment
+£360
Flights
+£144
Cashback
+£90
Based on maximum redemption rates on our Free Debit Card.
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Debit Card.
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Free Credit Card (
31.6%
APR var.).
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Credit Card (
65.1%
APR var.).
Actual value varies by reward and how you redeem.
Purchase protection on your big buys
You get Section 75 Purchase Protection on purchases over £100. Terms apply.
£1,200 at Airbnb
Get your credit score moving
If you pay off your card regularly and on time, you can improve your credit score.
Apply for a credit line up to £15,000
Spend on your card each month, then get 15-days interest free to pay us back.
Purchase rate
31.60% (var)
Rep. APR
31.6%
(var)
Based on a
£1,200 limit
Lounge access, unlocked
Because delays are painful enough without sitting on a plastic chair next to a crying baby. Book airport lounges in the UK and around the world with your Yonder card.
Compare our credit cards
Features
Free
full
Per £1 spent
1x
5×
No fees abroad
Use points on flights
Travel insurance
Welcome points*
1,000pts
10,000pts
Monthly fee
£15
Rep. APR
31.6%
65.1%
*When you spend £1,000 in your first 30 days
All the fancy features you’re used to…
Top-notch in-app customer support
Spend breakdowns
Flexible recurring payments
Split the bill with friends
Easily freeze and replace your card
Real-time notifications
And some you’ve never seen before…
Swipe to use your points
Send points to friends on Yonder
Still unsure?
There are no stupid questions
Is this an actual credit card?
Yep. The Yonder credit card works just like other credit cards you might have used. You spend with your credit line, then pay us back each month
Does applying impact my credit score?
You can check if you’re eligible without impacting your score. Once you choose to apply, we’ll perform a hard check on your credit profile.
Is it a Mastercard?
Yep. We run on Mastercard, so we’re accepted at over 44 million locations around the world. Unlike some cards...
Is Yonder a bank?
No. But we’re a regulated financial institution. And we partner with a bank so any money you hold with us is FSCS Protected.
What is the new member welcome offer?
If you’re on free credit, you’ll earn welcome points when you spend in your first month. Here’s how it works:
Spend £200 → +200 points
Spend £500 → +300 points
Spend £1,000 → +500 points
You can earn up to 1,000 welcome points in total. After that, you’ll keep earning points from everyday spending. Spend responsibly.
Compare our credit cards
Free
full
Important information
Monthly fee
£15
Cancel anytime
Up to £10,000 credit limit
Representative APR
31.6%
65.1%
Interest rate
31.60%
28.67%
Welcome points*
1,000pts
10,000pts
rewards
Per £1 spent
1pt
5pts
Per £1 spent at Experiences (Up to)
5pts
25pts
% Back at Experiences (Up to)
0.5%
2.5%
% Cashback
0.5%
Access to Experiences
Some
All
Use points on flights
Travel
Worldwide travel insurance
No fees abroad
Free withdrawals abroad
£150/day
In-app trip summaries
Mastercard widely accepted
Everyday Essentials
Digital card
Free physical card
Apple & Google Pay
Debit account to top-up with your money
Purchase protection
Send points to friends
In-app customer support
Award-winning app
*Welcome points are earned when you spend £1,000 in your first 30 days
Earn up to 1,000 welcome points!
Welcome points are earned based on the membership you choose, and your spend in the first 30 days:
Spend £200
+200pts
Spend another £300
+300pts
Spend another £500
+500pts
For new members only.
Get £10 to spend on almost anything
Joining Yonder means unlocking the good stuff from day one. As a welcome, we’ll cover your first eligible £10 spent on your Yonder card on groceries, restaurants, coffee shops, pubs, entertainment, flights or hotels in your first 7 days.
For new members only. Terms apply.