A welcome offer worth reading
+10,000
points
When you spend £1,000 in 30 days
£17.99
Your first month free, worth £17.99
premium
Finally a premium rewards debit card that stacks up
Worth £800 a year. All the rewards, none of the borrowing, none of it locked away for later.
18+ and UK only. T&Cs apply. . Annual value based on £1.5k monthly spend and £2k monthly rent or mortgage payment. Max redemption rates apply.
What’s in it for you
4×
points
On every £1 you spend
5×
points
On your rent or mortgage*
£140
Each year
On travel credits
Worldwide travel insurance
Use points on any flight
1GB free eSIM data
*Welcome offer for new customers only. Earn 4pts per £1 up to 10,000pts a month until 31 Dec, then 1pt per £1 up to 2,000pts a month. Terms apply.
Plus
How you earn points
Everything you already do earns you more
5×
points
On rent or mortgage*
4×
Points
On every £1 spent
20×
points
Up to 20× 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.
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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.
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 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.
Our average Premium member redeems £350 a year in rewards.
Yonder Credits
Credits, delivered every year
£100
A year
Hotel and car
rental credits
£40
A year
Lounge pass credits
I was never aware that a debit card transaction could earn points, I think this might be one of the best companies that offer just that!
Jake
The app is very intuitive and easy to use, but also elegant. Points come in easily and very quickly. Even made it easy to actually collect points.
Pratyaksh
Huge fan of Yonder so far, an incredibly accessible debit card with a fairly priced subscription and a genuinely impressive range of perks.
Aaron
Started using yonder and I love it. Seeng my points increase and being able to save for free flights for my holiday makes it even better!
Kayleigh
Compare our debit cards
Features
Free
Premium
Average yearly value*
£80
£800
Points per £1 spent
1×
4×
Points on rent or mortgage
Up to, per year
2,400
24,000
Welcome points
When you spend £1k in 30 days
1,000
10,000
Worldwide travel insurance
Worth £275 a year
Yearly credits
£140
Use points on flights
* 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
An app that’s actually good to use
Add money instantly
Freeze and unfreeze your card
A virtual card from day one
Top-notch 24/7 in-app support
Spend breakdowns
Swipe to use your points, instantly
Try our Premium debit card
One month Free, then £17.99pm
4x points on everything, including your rent or mortgage. £100 travel credit. Flights on any airline. 18+ and UK only. T&Cs apply.
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. Monthly fee is £17.99 or £190 if you pay annually. Welcome offers, credits and promotional bonuses are subject to change. T&Cs apply. Rent and mortgage rewards subject to exclusions and T&Cs.
