A credit card
that shows up, wherever you are

Points from your first purchase, purchase protection as standard, no monthly fee or fees abroad. Plus points on the one bill everyone else forgot to reward: rent or mortgage.

Rep. APR
31.6% (var)
Based on a
£1,200 limit

Checking won't affect your credit score. Borrow responsibly. 18+ and UK only. T&Cs apply.

What’s in it for you

points
On every £1 you spend
1,000
points
On your rent or mortgage*
Each year
On spend at our rewards
*Welcome offer for new customers only. Earn 1,000pts a month until 31 Dec, then 200pts a month. Terms apply.

A welcome offer worth reading

+2,000
points
When you spend £1,000 in 30 days

How you
earn points

Everything you already do earns you more
1,000
points
On rent or mortgage*
Points
On every £1 spent
points
Up to 5× at rewards

Hundreds of
handpicked rewards

With new brands dropping every month
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)

Your spend, translated

Enter what you spend a month and we’ll show you
exactly what comes back in rewards.
monthly spend
£1,500
each year get either
Dining
342
Shopping
414
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 Premium 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 Premium credit card (
65.1%
 APR var.).
Actual value varies by reward and how you redeem.
Very easy app, straightforward and great benefits – especially for travelling and redeeming flights.
SG
Moved to Yonder after almost 10 years with Amex Platinum … and have got more value from it than the last 2 years with my previous card.
Neale
Their travel insurance has also been great so far - rental car excess claim processed and money in my account in a matter of days.
Massimiliano
If you’re looking for a card which offers you actual value for money, there it is. At equivalent fee, you get better value than the Amex gold card.
Jamie

Compare our
credit cards

Full comparison table

Apply now

Features
Free
Premium
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
Rep. APR (var)
31.6%
73.1%
* Based on £1,500 monthly spend and £2,000 monthly rent or mortgage payment. Max redemption rates apply.
*When you spend £1,000 in your first 30 days
Full comparison table

Apply now

An app that’s actually good to use

Freeze and unfreeze your card
A virtual card from day one
Top-notch 24/7 in-app support
Spend breakdowns
Flexible recurring payments
Swipe to use your points, instantly

Real rewards for money you’re already spending

See if you’re eligible in just a few minutes without hurting your credit score. 18+ and UK only. T&Cs apply. Borrow responsibly.

Monthly fee
£17.99 /month
Rep. APR
73.1% (var)
Based on a
£1,200 limit
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 full credit, you’ll earn welcome points when you spend in your first month. Here’s how it works:

Spend £200+4000 points
Spend £500+6000 points
Spend £1,000+10,000 points

You can earn up to 20,000 welcome points in total. After that, you’ll keep earning points from everyday spending. Spend responsibly.

Your welcome offer is tailored to you and subject to change change.

Terms & Conditions

You’ll need to be over 18 and a UK resident to apply. Approval is based on some financial info you share with us. Only spend what you can afford to pay back. The representative rate is 65.1% APR variable. Welcome offers, credits and promotional bonuses are subject to change. T&Cs apply. Rent and mortgage rewards subject to exclusions and T&Cs.

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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