Yonder Credit Card Review 2025: Check Pros and Cons

Looking for a reliable credit card to build your credit in the UK? Discover how the Yonder Credit Card combines rewards, flexibility, and simplicity to meet your needs.

Key Takeaways

• Eligibility: UK residents aged 18+ with a clean payment history.
• Rewards: Earn 5 points per £1, redeemable for dining and events.
• Fees: £15/month after the first free month; no foreign transaction fees.
• Insurance: Worldwide travel coverage for family members.
• Application: No UK credit score required; Open Banking assesses eligibility.
• Pros: Stylish design, user-friendly app, fraud protection, flexible credit limits.
• Cons: High APR, rewards limited mostly to London, £15 monthly fee.

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If you landed on this page, you must be looking for the Yonder Credit Card. Recently, 6 months back, I applied for the Yonder credit card, and now it’s more than 4 months of using this credit card. So, I am the perfect person to write on Yonder Credit Card review.

In this article, I will give my genuine review of Yonder credit card and also share my 4-month experience of using it.

Before moving further let’s understand the card from its basic.

What is Yonder Credit Card?

The Yonder Credit Card is designed to offer users a smooth and rewarding experience to its user. With its modern design and innovative features, Yonder card is perfect for people looking for a dependable credit card option that meets various needs. There are many features of Yonder Credit Card discussed further in this article.

Overview of Yonder Credit Card

Here is the short overview of the yonder card for quick understanding.

Feature	Details
Issuer	Transact Payments
Network	Mastercard
Representative APR	66.7%
Annual/Monthly Fees	First replacement card is free. Each additional replacement (beyond the first) costs £40 per year
Purchase Interest Rate	29.94%
Cash Advances	0%
Maximum Credit Limit	Subject to status
Additional Cards	First replacement card is free; subsequent replacements cost £40 per year
Introductory Rewards	First month free for new members, followed by £15 per month & receive 10,000 bonus points
Minimum Monthly Payment	£35 or 5% of the statement balance plus interest and charges, whichever is greater
Foreign Usage Charge (EU)	0%
Foreign Usage Charge (World)	0%
Cash Advance Fee	0%
Additional Card Fee	£0
Additional Card Fee Note	First replacement card is free. Each additional replacement (beyond the first) costs £40 per year.

Who owns Yonder Credit Card?

The Yonder Credit Card is owned by Yonder, a UK based fintech company founded in 2021 by Tim Chong, Theso Jivajirajah, and Harry Jell. These founders previously worked at the credit score startup ClearScore.

Yonder has strong backing from notable investors, including ex-footballer Rio Ferdinand, GoCardless co-founder Matt Robinson, and prominent venture capital firms like Northzone and RTP Global.

The company focuses on providing premium credit card services, offering rewards and benefits that align with the lifestyle preferences of the customer.

Key Features of Yonder Credit Card

The Yonder Credit Card not only provides exciting rewards but also comes with many enticing features and benefits. Here are the main features of Yonder Credit Card:-

Earn Rewards

If you are planning a trip to London, Yonder offers exciting rewards with its credit card. You can earn 5 points for every £1 spent, which you can then redeem at select restaurants, bars, or events chosen by Yonder. For example, 3,500 points could cover a meal and drinks at Kricket up to £100, with any extra charges added to your card.

Sleek Metal Design

The Yonder Credit Card has a stylish, durable metal design so you don’t have to worry about it breaking. You can also use Apple Pay with this card if you prefer digital payments. Always keep in mind to spend wisely and stay within your budget.

Smart Fraud Protection

With Yonder, you have complete control of your card. To add extra security, you can instantly freeze and unfreeze your card through its app, giving you peace of mind if you ever need to secure your account quickly.

User-Friendly App

The Yonder app makes managing your account easy. You can handle repayments, request cashback, and receive instant payment notifications, all from your iOS or Android device. Moreover, you can apply for the card directly through the app.

Worldwide Travel Insurance

The Yonder Credit Card includes worldwide family insurance, covering the cardholder, their partner, and children under 25. The insurance covers lost or delayed baggage, trip cancellations, and medical expenses.

Share Your Points

Yonder’s “Send Points” feature allows you to share your earned points with friends. If planning a group meal or treating a friend, you can send points directly through the app.

Flexible Credit Limit

Yonder offers a flexible credit limit designed to your needs. If you intend to increase your higher limit for bigger purchases or a lower one to manage your spending, Yonder has options to customise according to your needs.Read about Marbles Credit Card Review

Pros and Cons of Yonder Credit Card

Every credit card has some Pros and cons. It is always suggested to take a look on these points before making your decision:-

Pros

• You can use your points towards any flight bookings.
• The card includes worldwide travel insurance coverage.
• Earn rewards points on your everyday spending.
• The card has a sleek metal design.
• Enjoy the benefits of Mastercard World Elite.
• There are no foreign transaction fees when spending abroad.
• Smart fraud protection is available through the Yonder app, which can be accessed on iOS and Android.
• Yonder uses open banking for eligibility checks instead of traditional credit checks.

Cons

Despite the many advantages of the Yonder Credit Card, there are also some cons.

• There is an account fee of £0 for the first month and £15 per upcoming month, which is quite high.
• The card has a higher annual purchase rate than other credit cards.
• Not all banks are integrated with Yapily. The open banking provider used by Yonder might delay the application process.
• Rewards can only be redeemed in London, although there are plans to expand, and some online experiences can be redeemed anywhere.

Yonder Credit Card Eligibility

To be eligible for the Yonder credit card, you must meet the below criteria:-

• Applicant must be a resident of the UK and be at least 18 years old.
• To qualify for the Yonder Credit Card, you must have a clean payment history, meaning no missed payments on other loans or accounts in the past two years. Moreover, you should not be enrolled in a debt management plan.
• Yonder assesses your eligibility using Open Banking, which analyzes your income and spending habits over the last six months.

Note: No new to worry. This process of checking the eligibility criteria won’t affect your credit score.

Yonder Credit Card Application Process

Applying Yonder credit card is very simple if you follow the below steps:-

• First of all, to apply Yonder Credit card, visit the official website.

• Now click on “Check Eligibility” at the top right corner of the website.

• Then Start by filling out the initial registration form on Yonder’s website. If you are eligible Yonder will then invite you to apply. You can also apply using the Yonder app.

• Install Yonder app from the App Store or Google Play Store if you are applying through app. You will need to verify your email address and phone number, and provide some personal details.

• If you don’t have a UK credit score, Yonder will ask you to verify your identity and link your primary bank accounts to determine an appropriate credit limit for you

• Connect your bank accounts using Open Banking so Yonder can review your income.

• Pick the membership plan that best fits your needs, as Yonder offers different options with various benefits.

• If you satisfy all the criteria your application will be approved.

• Now sign your credit agreement, and your digital card will be ready to use.

Note:- You don’t need a UK credit score to apply. However, if you have one, Yonder will conduct a soft credit check to determine your eligibility.

Yonder customer Rating and feedback

This table will help you to get some idea of the customer feedback.

Platform	Rating	Details
Trustpilot	4.5 out of 5 stars	Rated “Excellent” based on over 730 reviews (as of August 2024). Customers praise it as a “great user-friendly card.”
App Store	4.7 out of 5 stars	The Yonder app has received mostly positive feedback from more than 460 users (as of August 2024).
Google Play	4.6 out of 5 stars	The app is well-reviewed by over 160 users (as of August 2024).

Conclusion

After moving to the UK, I am facing difficulty in order to get a credit card as a newcomer with no credit history. But due to the smooth application process of the Yonder, all my problems vanished in just a few days. Checkout Debenhams Credit Card

The customer service was responsive and received my sleek metal card quickly. The exciting perks, especially the dining rewards, are the best bonuses I liked. The best part is I can use them even outside London.

After a few months, my Yonder card is now recognized by the credit bureaus, which was my main goal. If you are new to the UK and looking to build credit, Yonder is the best choice i suggest.

If you have any questions, please write in the comment section, and if you like our article, share it with your friends, colleagues and relatives facing similar issues.