Want credit card rewards while using your own cash? Yonder makes it possible (2025)

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Traditional credit cards are often laden with a list of strict terms and conditions but Yonder is making our lives simpler with a new first-of-its-kind ‘top up’ feature.

Now, members can add up to £10,000 of their own funds to their account and enjoy the perks of a rewards card without relying on credit. Huzzah!

Unlike other credit cards, which set limits based on credit history and affordability, Yonder’s unique top-up feature offers the flexibility of a debit card with the rewards of a credit card.

Add up to £10,000 of your own money into your Yonder account, via its top up scheme then spend!

Full members can collect 5 points for every £1 spent (boosted to up to 25 for every £1 if you shop with one of its partners) and those with a free membership can collect 1 point per £1 spent. These points can then be redeemed for a wide range of rewards.

Expect everything from dining and entertainment to fitness, travel, and lifestyle experiences. The world’s your oyster.

What’s more, you’ll enjoy no foreign exchange fees abroad, purchase protection, and the positive impact on your credit profile, all while using your own funds.

What’s not to love?

Plus, you can easily withdraw funds back to your personal bank account whenever you need so no need to panic there.

It doesn’t matter whether you have Yonder’s free or full membership, both are eligible for top-ups.

It really is the first feature of its kind in the UK, giving you more control over your spending and rewards.

Intrigued? There’s a special offer on at the moment too. New members get 1 month free of full membership and 10,000 points (worth up to £50) to start enjoying Yonder’s exclusive experiences with – impressive, huh?

In fact, we’re so impressed, we’re chomping at the bit to secure one for ourselves!

Approval is subject to eligibility. Over 18 & UK residents only. Membership fee applies. Borrow responsibly. T&Cs and APR rates apply.

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