Try our free credit card
See if you’re eligible in just a few minutes without hurting your credit score. 18+ and UK only. T&Cs apply. Borrow responsibly.
Ready to join?
Here’s how
If you start now, you could make your first purchase in the next 10 minutes.
Download our app
Head over to your app store, hit download, and create your account.
2 mins
1
Pick debit or credit
If you choose credit, you’ll need to do a quick eligibility check.
Up to 7 mins
2
Pick membership
Take your pick between our Free and Full plans
1 min
3
Get your card
Add your digital card to your wallet and start spending
Seconds
4
Yonder Credit Cards
The difference between soft and hard checks
We use two types of credit report checks during your journey with Yonder, and each one serves a different purpose.
We’ll always tell you exactly when each check happens, so there are no surprises.
We’ll always tell you exactly when each check happens, so there are no surprises.
Yonder Credit Cards
Build your credit score with us
If you make your monthly payments on time, we'll report them to Experian, Equifax and TransUnion, which can help build your score.
Missing payments can impact things too, so it's important to make payments on time and only borrow what you can afford to repay.
Missing payments can impact things too, so it's important to make payments on time and only borrow what you can afford to repay.
Pick a card. Any card.
Debit Cards
Top up and get earning with our rewards debit cards
Credit Cards
Apply for our award-winning rewards credit cards
“Goodbye Avios, Hello Yonder”
See what our members have to say
Still unsure?
Ask us anything
What’s an eligibility check?
It’s just a few quick questions about you, like your age and how much you earn, to help understand if you’re likely to be approved for Yonder.
We’ll only run a ‘soft check’ on your credit report at this point, which doesn’t impact your credit score at all, and won’t be visible to other lenders.
Will applying affect my credit score?
If you’re eligible and decide to finalise your application, we’ll then perform a ‘hard check’, which will show on your credit report, but is typical for all credit card applications.
It’s worth knowing that, having multiple ‘hard checks’ on your report within a short space of time can affect your credit score.
What do you look for in an application?
Getting approved isn’t just about having a good credit score (though that certainly helps). When we review your application, we look at a few key things to make sure we’re the right fit for you.
Here’s what we take into account:
- How much credit you already have: This includes things like other cards, loans, or big financial commitments.
- Your income and work: For example, how stable your current job is.
- Your living situation: How long you’ve been at your current address and whether it shows financial stability.
- Your payment history: Have you kept up with other credit repayments on time?
- Your financial experience: Things like how long you’ve had a current account in your name.
Most of the time, the information you provide during your eligibility check is enough for us to make a decision. If we need a little more detail, we’ll ask for it—and we’ll make the process as smooth as possible.
Why do I need to download an app to apply?
Because we’re a fully regulated company, we have to verify all of our members’ identities. So, to help us do that, we ask you to send over some snaps of you and your ID, which is a whole lot easier using a mobile app, and means we can make a decision much much quicker.
When do I choose my membership?
Once we’ve fully verified your finances and ID, you’ll be able to choose either the full or free membership in the app.