YONDER CREDIT CARDS

Redeeming your points with Yonder is simple. Just browse the latest experiences in the app, pick one you like, open your Yonder app, and choose to use points to pay. No need for codes, coupons, or awkward conversations with the staff – just a smooth, hassle-free experience from start to finish.

Adding your own cash to the Yonder card helps you avoid going over your budget if you want to make a purchase. It works like a prepaid top-up, ensuring you spend only what you can afford while maintaining the flexibility of a credit card, including its benefits when you spend.

Yes, the Yonder credit card offers rewards for your spending. You’ll earn points for each purchase, which can be redeemed for a variety of rewards, including discounts and experiences, making your everyday spending more rewarding.

You can apply for a Yonder credit card through their website or mobile app. You’ll need to provide your personal details, undergo a soft credit check, and verify your identity. After approval, you'll receive your card and can start using it immediately.

Missing a payment with your Yonder credit card can lead to late fees and a negative impact on your credit score. It’s important to set up reminders and try to pay your balance in full each month to avoid additional costs and damage to your credit.

It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.

Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.

Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.

Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.

Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already.

For example, an airmiles credit card. or one that earns you Avios travel-related points, is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.

If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.

Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.

Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.

If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit card deals and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.

All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.

Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

• Take control of your credit score by checking and improving it for free with Credit Score

• Never overpay again with Energy Monitor, our energy monitoring service

• Earn rewards of up to £130 per year when you make a qualifying purchase with SuperSaveClub

So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.