Your card-shaped key to the city
The modern rewards credit card with no foreign exchange fees and more. Apply without a UK credit score.
FCA authorised and regulated
£15/month – Rep. 59.3% APR (variable)
What's representative APR?
Representative APR (annual percentage rate) is a rate credit providers, that's us, show so you can compare the cost of different credit products.
It includes all the fixed fees you pay, like your membership fee, so it isn't the rate you'll pay us if you ever need to borrow money. We'll show you that when you sign up.
It includes all the fixed fees you pay, like your membership fee, so it isn't the rate you'll pay us if you ever need to borrow money. We'll show you that when you sign up.
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We want to make money rewarding and credit empowering by treating everyone how we'd like to be treated. Just like mum always said.
Rewards that'll make you go "Oooooo"
Earn 1 point for every £1 spent.
Plus earn extra points when you spend with our experience partners.
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Use points on London's best meals, gigs and events
Every month we'll pick new experiences and stick them in the app for you to discover.
See how rewards work
Step 1
Pick an experience in the app
Every month we'll add new experiences into the app. We'll even help you book a table or ticket if you need.
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Step 2
Enjoy your meal, drink, or event
Head to the experience and pay normally using your Yonder card. No coupons or annoying codes required.
Step 3
Use points or pay normally and earn 2x points
Tap the transaction in the app and swipe to choose to either pay with points, or pay normally and earn 2x points.
Don’t be another
idiot abroad.
Spend without fees in any currency, all over the world.
We’ll never add any fees or charges while you spend abroad. You get the Mastercard rate, which we just pass right on to you without any markups.
No spending fees abroad
Spend and earn points while you're away.
Some credit cards charge up to 2.99% when you spend in a different currency. Not us. Spend like you do at home.
Apply without a UK credit score.
We'll let you know if you're eligible before you apply.
Apply for early access
Step 1
Apply for early access
Add your name and email then fill out our Founding Member survey. We'll invite you to apply, and if you're approved, you'll become one of our early access members.
Apply for early access
Step 2
Download the app and apply
You don't need a UK credit score to apply, but we'll run a soft check if you have a credit report and let you know if you're eligible first.
Step 3
Sign your credit agreement
We'll run a hard check on your credit report (if you have one) once you progress. If you're approved, start using your card details in the app right away.
The modern essentials, as they should be.
Smart fraud protection
Instant payment notifications
Purchase protection
iOS and Android apps
A shiny metal card
24/7 help from real people
New: Now live with Apple Pay
Don't take our word for it.
Sure, we're new to the game, but our members already love us.
Yonder was a godsend for my trip to Sri Lanka. I loved earning points, paying no FX fees, and the security of a credit card abroad.
Benedict Russell
Yonder rewards are like gold. I’ve had a few excellent nights in top London spots and paid for it with points.
Joanne Davies
I'm always on the hunt for new places to eat and drink in London, so I love discovering new spots in the app.
Caitlin Place
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Yonder rewards are like gold. I’ve had a few excellent nights in top London spots and paid for it with points.
Joanne Davies
We used Yonder to pay for most of our destination wedding. The support is really responsive, which made it easier to enjoy the festivities!
Divya Babu
Yonder rewards are like gold. I’ve had a few excellent nights in top London spots and paid for it with points.
Joanne Davies
I've loved my Yonder card. The ability to pay no FX fees anywhere in the world and simply use the card for everything has been amazing.
Robert Ellis
Yonder rewards are like gold. I’ve had a few excellent nights in top London spots and paid for it with points.
Joanne Davies
Apply to become a Founding Member.
We're waiving our £15 a month fee for six months for our first few hundred customers
Founding Member benefits
£15
/month fee waived for six months
2,500 points when you join- Waived £15 monthly membership for six months
- Founding Member metal card
- Access to our invite-only community
- Invite to exclusive events
Representative example
- Representative APR: 59.3% APR (variable)
- Purchase rate: 23.94% APR (variable)
- Monthly fee: £15 a month
- Assumed credit limit: £1200
Apply to be a Founding Member. Just 500 available.
Founding Members is our invite only testing program. This isn't a credit application, just an expression of interest.
Thank you. You're in.
Oops! Something went wrong while submitting the form.
Important information to know:
- Representative APR: 59.3% APR (variable)
- Approval subject to eligibility: joining our Founding Member waitlist is just an expression of interest. We'll invite you to apply, and if you decide you want to, we'll run some more checks.
- Impact on your credit rating: you'll need to make your minimum monthly payment on time, or it can impact your credit rating. Only borrow what you can afford to pay back.