Yonder Credit Card Review
Especially for city-dwellers who travel frequently and habitually clear their monthly credit card balance, Yonder could be a good fit for day-to-day spending. The provider also offers a choice between a free and pay-monthly option depending on the level benefits you want to access. rewards tend to centre around major cities
£15 monthly fee to access top rewards
high interest rate on card balances
Yonder is a Mastercard travel and rewards credit card that offers benefits including yonderpoints, which are redeemable against restaurant bills and lifestyle experiences. There are no foreign exchange (FX) fees when using the card abroad. There are also no cash withdrawal fees both abroad and in the UK. However, limits apply*.
There are two versions of the card: one with free membership, and another that charges a monthly fee but offers additional perks such as boosted points earning, cashback on spending and worldwide travel insurance .
The full membership credit card also offers Yonder Flights, which allows customers to redeem points to pay towards the cost of tickets with any airline. Who is Yonder?
Yonder is a fintech start-up company that launched its first app-based rewards credit card in 2022. The card was primarily targeted at Millennial and Gen Z professionals living in and around London, but it has since broadened its reach to other cities including Birmingham, Bristol, Manchester and Bath.
In April 2025, NatWest became a minority investor in Yonder.
Here are the key points of both the Free and Full Membership Yonder credit cards: no monthly or annual fee
reward points scheme with selected partners
no FX when you spend overseas. £15 per month fee (or £160 if paid annually)
0.5% cashback on spending
enhanced rewards scheme and welcome bonus
free worldwide travel insurance
redeem points against any flight with any airline
no FX fees when you spend overseas.
Cardholders earn yonderpoints on spending on their Yonder credit card at a rate of one point per £1 spent with the free membership account, and five points per £1 spent with the full membership card.
Points can then be redeemed against a range of dining and lifestyle benefits with Yonder partners. These include theatre tickets, restaurants and bars, meal prep companies, fitness brands, car rental and – for full membership card holders – flights.
Yonder's team of specialists select between 15 and 20 tailored offers and experiences at which cardholders can opt to redeem their yonderpoints. Partner brands include the likes of Bao and Fallow restaurants, Frive meal kits, Sucre, Grind, Padella, Hoppers and Soma cocktail bars.
Full membership cardholders will have access to the full range of yonderpoint rewards partners. Yonderpoints have no expiry date. How to use yonderpoints
You can redeem yonderpoints by simply selecting 'use points' in the Yonder app. When using your Yonder card, if you have enough points, they will be used automatically to pay – up to Yonder's fair use limit. You can check the fair use limits for each offer or experience in the Yonder app.
Yonder also offers a top-up feature, which means customers can pay money onto their card to effectively increase their credit limit. This can make monthly card bill payments more manageable, while the extra can be used for purchases to earn points without using credit. Rewards and benefits
With the Free Membership, cardholders earn one yonderpoint for every £1 spent on the card, plus up to five points on spending at selected partners.
On the Full Membership plan, points are earned at a rate of five per £1 spent or up to 25 per £1 with selected partners. In addition, you'll get 10,000 yonderpoints as a welcome bonus when you sign up.
The yonderpoints you earn are rounded down to the nearest pound on card spend. So if you're a free member and you spend £1.99 on the card, for example, you would earn one yonderpoint.
Referring a friend can earn you up to 10,000 yonderpoints if they take a Full Membership card or 2,000 for the Free Membership card.
Points have different values depending on where you choose to redeem them. As a benchmark however, one yonderpoint under the Free Membership plan is worth around 0.5 pence and one point under the Full Membership plan is worth up to 2.5p at redemption.
Full members can also earn cashback in addition to their yonderpoints, where one point earned will be worth 0.5p in cashback.
Other benefits of both types of Yonder card include fee-free overseas use.
The Full Membership account offers additional perks, including worldwide travel insurance and cashback on purchases. Interest rates and fees
The purchase rates on the Yonder credit card are relatively high at 32.26% APR variable for the free card, and 29.32% APR variable for Full Membership.
The monthly fee applied on the full membership card means that the overall representative APR – which includes the interest rate and fees – is high at 66.0% (variable).
There are no late fees if you don't pay your credit card bill but you'll accrue interest on any unpaid bills and interest charges. Are my purchases protected with the Yonder card?
Yonder is a credit card, which means cardholders can benefit from payment protection under section 75 of the Consumer Credit Act . This means purchases of more than £100 and up to £30,000 – even if just the deposit is put on the card – are protected.
You'll need to be aged between 18 and 65 and a UK resident to be eligible for a Yonder card. You're also likely to need a regular income and a relatively strong credit score.
There's an eligibility checker tool on Yonder's website so you can find out your chances of being accepted first using a soft credit check that won't show up on your credit report.
This can be a prudent step before making a formal application, because you could harm your credit score if you're rejected. Yonder customer service
The Yonder card must be both applied for and managed in the app. Yonder has a support hub on its website with a broad range of FAQs – such as about redeeming points or setting up automatic payments to clear your card balance.
You can email with questions too – but customers are encouraged to use the live chat facility offered in the app. While this is marketed as 24/7, it may use AI chatbots at certain times and you may have to wait for the on-call human assistant.
Yonder has a 4.5 Trustpilot rating (out of 5) from more than 1,200 customer reviews. Among the comments, users talk about Yonder being 'a card I can use abroad without it costing me a fortune in fees' and 'great rewards, and customer service has consistently been fantastic'. What are the alternatives to the Yonder card?
If you're looking for a rewards credit card , there's a wide range to consider. These deals tend to come with perks, such as cashback or airmiles on spending, and various other lifestyle and travel rewards.
Again, however, the standard purchase interest rates can be high, so you'll get the best value if you can pay off your balance every month to avoid interest charges.
There is also a range of travel credit cards on the market that can save considerable money in charges.
*Up to £150 per day (spread across three transactions) and up to five withdrawals every seven days to a total maximum of £600 per week.
Note also that cash withdrawals are reported to credit reference agencies. Frequent or large withdrawals may affect your credit score, so Yonder advises to use cash withdrawals responsibly.
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