Rent & Mortgage Rewards

Putting your
biggest bill back in your pocket

Most cards think your rent or mortgage isn’t worth rewarding. We do.

Welcome offer
Earn up to
10,000
Points a month

The bill you already pay, finally paying you back

Pay your rent or mortgage through Yonder and earn points every time. Get rewarded for money you’re already spending.

10,000
pts
Premium
Up to 2,000pts  10,000pts a month
1,000
pts
free
Up to 2,00pts  1,000pts a month
Welcome offer available to new members only, until 31 Dec 2026. Subject to change. Exclusions and T&Cs apply.
How it works

Set it up once. Get paid every month.

1
You pay money into your Yonder account
2
We send it to your landlord or mortgage provider, on time, every month.
3
Swipe to earn points every time. Every point gets you closer to somewhere good.

Your money stays yours

You pay money in. We send it to your landlord or bank automatically.

You control set up, and easily track payments in the Yonder app.

Credit

Your money is separate to your credit line. You borrow nothing.

Your money is safe. We’re FCA regulated with 24/7 support.

Real rewards for money you’re already spending

18+ and UK only. T&Cs apply.

Still unsure?

There are no stupid questions

So, what actually is Yonder?

Our marketing team call it a “financial membership” but you can think of us like Monzo and Amex had a baby.

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 it a credit or debit card?

It’s your call. You can apply for one of our our award-winning credit cards. Or nab a debit card, where you'll need to top up with own money to start spending. Either way, you earn points on everyday spending and redeem them at 300+ brands.

Does applying for credit 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.

Can I have both the debit and credit card?

Not right now. You’ll need to choose between a credit or debit account for the time being. If you go with debit, you can always check whether you're eligible for credit later.

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.

Welcome points are earned based on your spend in the first 30 days:
Spend £200
+4,000pts
Spend another £300
+6,000pts
Spend another £500
+10,000pts
For new members only.
Free
full
Free
Premium
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*
2,000pts
20,000pts
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
Features
Average yearly value*
£80
£870
Points per £1 spent
Points on rent or mortgage**
Up to, per year
2,400
24,000
Welcome points***
When you spend £1k in 30 days
2,000
20,000
Worldwide travel insurance
Worth £275 a year
Yearly credits
£140
Use points on flights
Representative APR
31.6%
73.1%
Important information
Monthly fee
£17.99
Representative APR
31.60%
28.67%
rewards
Access to Experiences
Some
All
Per £1 spent at Experiences  (Up to)
5pts
25pts
% Back at Experiences  (Up to)
0.5%
2.5%
% Cashback
0.5%
Travel
No fees abroad
Free withdrawals abroad
£200/day
In-app trip summaries
Mastercard widely accepted
Everyday Essentials
Cancel anytime
Virtual 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
* Based on £1,500 monthly spend and £2,000 monthly rent or mortgage payment. Max redemption rates apply.
** New member offer, subject to change.
*** When you spend £1,000 in your first 30 days.
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