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Introducing Yonder: a credit card that rewards Londoners with experiences

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This article is sponsored by Yonder

Yonder is a new rewards credit card on the market which is probably unlike anything you’ve seen before. It is “the rewards credit card for Londoners”, offering a very high rate of return on spending to redeem at selected London outlets.

We wanted to take a look and see how it might fit in with your credit card points strategy.

If you apply for a Yonder card, you will get your first three months of membership for free and will immediately be credited with £50 to spend with one of four Yonder dining partners around London, with no spend limit to hit first.  If you like dining out then it’s basically free money, so you may want to give the card a try.

You can find out more on the Yonder website here.


The interest rate on the card is 59.3% APR variable which includes the fee, based on a notional £1200 credit limit. The interest rate on purchases is 23.9% APR variable.

What is Yonder?

The Yonder card itself is a metal card, vertically set using a dark navy or ‘slate’ colour base. 

Yonder is a lifestyle credit card with a points-based reward system. So far, so familiar. However, rather than convert the points to airline miles or hotel rewards, Yonder points are redeemed for fully paid meals (up to a limit) at a range of ever changing local restaurant and dining partners around London.

The restaurants are some of London’s most highly-rated venues, and not the Pizza Expresses and Giraffes typically available in loyalty programmes. Angelina, Kricket, Lina Stores, and Gunpowder are just a few of the well-respected and popular London restaurants where you can redeem your Yonder points. 

Though the main focus of their rewards is dining, they have also partnered with Secret Cinema, 1Rebel and most recently HumanForest eBikes. 

Currently, all partners are London-based, but Yonder does plan to expand. 

How the Yonder credit card works 

You earn 1 point (roughly 2.5p of rewards) for every £1 spent using the Yonder credit card.

You’ll earn up to 5 points per £1 (roughly 12.5p of rewards) when you use the credit card with selected Yonder partners. 

1 Yonder point equates to approximately 2.5p of value, so spend £1000 and you’ll have £25 to spend on a Yonder experience. 

Other Yonder credit card benefits 

Alongside the rewards aspect of the Yonder card, it comes with some additional benefits: 

  • Travel Insurance: comprehensive travel insurance is included as a free benefit for all members (backed by AXA) and includes £0 excess, worldwide cover for the whole family, ski cover, car hire rental excess, baggage delays, medical, accidents and more
  • It’s a Mastercard: it is accepted almost everywhere you can use a credit card, unlike American Express
  • No foreign exchange fees: Yonder doesn’t charge any additional fees or charges while you spend abroad. You get the Mastercard rate

Yonder has a good reputation on Trustpilot, with almost all of their reviews being five stars based on strong customer service and the app experience. 

Yonder has all of the other features you’d expect from a modern credit card, such as real-time transaction notifications, in-app freezing and unfreezing (handy if you think you’ve lost your card) and the ability to integrate the card with Apple Pay and Google Pay as soon as you’ve been approved. 

Is there a Yonder credit card monthly fee? 

Yes. Yonder costs £15 per month. However, anyone who downloads the Yonder app and applies via this link will get a three month free trial. 

You will also get a £50 credit to spend with one of four selected Yonder partners. These are: 

  • Kricket 
  • Morito 
  • Lina Stores 
  • Mr Foggs 

Unlike other card sign-up bonuses, you can spend your £50 credit straight away rather than waiting to hit a spend target. 

How do you apply for a Yonder credit card? 

The first thing you need to do is download Yonder’s app using the link here. You will be asked to go through an eligibility checker to see if you meet the Yonder criteria and once you’ve passed that, you go through a short application process. 


There’s no getting away from the fact that Yonder has a clear demographic in mind and that demographic is a London-based young professional with cash to spend.

It is a simple proposition – Yonder is willing to give you roughly 2.5% of your card spending back in rewards, far more than any travel rewards card, as long as you are willing to spend those rewards at its carefully selected partners.

The £50 free credit for signing up has no strings attached. As the first three months are free, it could be worth giving the card a go. Of course, as with all credit cards, only sign up if you intend to fully pay off the balance every month. 

To ensure you get the three months free, please use this link here to download the Yonder app and apply. 

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibly to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points. The site discusses products offered by lenders but is not a lender itself. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as an independent credit broker.

Comments (93)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Tracey says:

    May suit people in their late 70s for the free travel insurance. Stops at age 81, so clearly not for everyone…..and pre-existing conditions excluded.

    • Mikeact says:

      Oh no it won’t…applications NOT accepted if 65 and older.
      So why offer travel insurance up to 80 ?Idiot’s…I spend a lot eating out in London.

  • vol says:

    Should have just called it the “Shoreditch” card looking at the way the card is marketed.

    That and I’m pretty sure folks will ditch it after a few months.

  • dougzz99 says:

    I can’t see any purpose to this beyond it winding a few regionals up.

  • AirMax says:

    Does the lack of embossing mean unable to use inflight / at petrol station pumps etc?

    • memesweeper says:

      Add to Apple Pay and it will work inflight on BA.

    • Andrew says:

      Why would you need embossing to pay at pump?

      It’s three years since anyone ran my card through a zip-zap machine (at a US Naval base), and must be at least 20 years in the UK.

    • John says:

      No, it just means you can’t use it at places which still have a imprinter (i.e. zip zap) for when the electricity and/or phone lines get cut off

      • Save East Coast Rewards says:

        I was told by someone at LNER a few years ago that they can’t use the manual imprinters anymore if the card machines aren’t working. The message they received was nowhere was allowed to take payment by that method anymore (and that explains why moats cards no longer feature it)

        • TGLoyalty says:

          Yup they’ve done away with that back up method.

          Think op is confusing the fact most non embossed cards are actually pre pay cards (like curve etc) or require “online” transactions for contactless.

  • S says:

    Do they really expect you to sign up to a credit card without seeing a full list of partners?

  • AirMax says:

    The free travel insurance for 3 months could make it a great deal.

    I would like the card more if the rewards could be redeemable in more yonder-type places, like Cornwall, the Highlands or Portugal.

  • Mike Hunt says:

    “a credit card that rewards Londoners with experiences” hardly contributes to the ongoing Leveling Up agenda.

    • Mutley says:

      That was abandoned yesterday Mike

      • Mike Hunt says:

        Try telling that to the Secretary of State for Levelling Up ! It is definitely all systems go in the run up to the General Election

      • Brian78 says:

        Rob has already said he’s going to delete comments about it.

        • Mike Hunt says:

          I wouldn’t wish to see a London based website / business censoring comment about a national Government policy that is set to improve the lives of a significant portion of the UK population that is not geographically based in the London / South East areas.

          • Rob says:

            The policy is now scrapped.

          • Brian78 says:

            It’s not a policy of any of the companies that are promoted/advertised on this website.

            No need to have a potato on your shoulder about it.

      • Chrisasaurus says:

        Well more accurately it’s now a different level getting the up

        • Alan says:

          Indeed, gotta pay those bankers bonuses somehow – just a shame all the taxpayers that bailed them out never got their money back…

  • Paul says:

    Unless this can be rinsed with the usual routes, it’s a pretty useless card given the rewards/fee.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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