There's a rewards credit card that gives you £10 back just for joining, up to £100 worth of points for hitting a fairly modest spend target, and your first two months free (you can cancel during the free trial and keep your rewards).
It's the Yonder Full Credit Card. If you've not come across Yonder before, they're a London fintech that's best described as Monzo and Amex having a baby.
It's a Mastercard credit card that earns points on every pound you spend, with no fees abroad, too. It's genuinely a good card with rewards that rival Amex.
In this post I'll break down the whole welcome offer, put a real cash value on the 20,000 points, and show you exactly what you need to do to qualify.
My code TVMMAUV unlocks the full offer, and you'll see it throughout this page.
The Welcome Offer: What You Actually Get
The Yonder Full Credit Card normally costs £15 a month. Through my referral code TVMMAUV you get your first two months free, which is worth £30 on its own. On top of that there are £110-ish welcome bonuses to collect.
the quick version
Sign up with code TVMMAUV and you'll get £10 back on your first £10 of spend (basically free tenner), up to 20,000 points (worth up to £100) when you spend £1,000 in your first 30 days, and two months of the £15 membership free.
The only rule that matters: PAY IN FULL every month. Keep reading for the full breakdown.
1. £10 Back On Your First £10 Spend
As soon as your card arrives, make your first eligible purchase and Yonder will cover it up to £10. The spend needs to be on groceries, restaurants, coffee shops, pubs, entertainment, flights or hotels, and it needs to happen within your first 7 days. Basically, anything you'd be buying anyway.
This one is dead easy. A supermarket shop or a coffee on the way to work will trigger it. You don't have to wait for points to build up, the £10 lands as a statement credit instantly.
Remember: No gambling or 'cash value' transactions, just use the card to buy normal stuff and you'll get a tenner for 5 minutes of work!
2. Up To 20,000 Welcome Points (Worth Up To £100)
Spend £1,000 in your first 30 days and you'll earn up to 20,000 bonus points on top of the points you'd earn anyway.
Some people are paying into their council tax / energy bills with this card, and then requesting the refund from these providers via BACS Direct Debit. I'm not necessarily recommending you to do this... but people have found creative ways to meet the £1,000 without going on a shopping spree.
Yonder value these points at up to £100 when you redeem them through Yonder Experiences, which is their curated catalogue of dining, shopping, travel and entertainment partners.
That works out at around 0.5p per point - but remember, with this card you get 5 points per £1 spent. So that's about 2.5p back per pound of spend, which is a 2.5% rewards rate.
For reference, Amex gives 1 point (worth about 1p) per £1 spend at a rewards rate of roughly 1%. Not all rewards points are equal, but hopefully you can see that the Yonder card offers a very competitive rewards system.
Redeemed as cashback, 20,0000 Yonder points are worth less, closer to £50, so the smart play is to spend them on experiences rather than cashing out.
And because that £1,000 of spend also earns 5 points per £1, you'll actually land with around 25,000 points in total once the welcome bonus drops. More on the earn rate below.
3. Two Months Free Membership (Worth £30)
The Full Credit Card costs £15 a month. With code TVMMAUV your first two months are free, saving you £30. That gives you a full 60 days to test the card, bank the welcome points and decide whether the 5x points and travel perks are worth £15 a month to you.
If you like, you can downgrade after you get your bonus points and save yourself the monthly fee.
4. 5 Points For Every £1 You Spend
The Full Credit Card earns 5 points for every £1. That's one of the strongest earn rates on a UK rewards card. Spend £1,000 a month and you're collecting 60,000 points a year, which is up to £300 of rewards at Yonder Experiences.
My opinion is that this is the best rewards card in the UK right now, and Yonder seems to investing heavily into creating actual value for it's members. Whilst brands like Amex are spending $50 million per year sponsoring F1, Yonder seems to be distributing their expenses more generously with card holders.
This is not financial advice. Always do your own research.
5. Worldwide Travel Insurance
The card comes with worldwide family travel insurance, which Yonder value at £275 a year. It covers medical bills up to £1m, cancellation up to £7,500, car hire excess up to £3,000 and winter sports up to £500. The catch is you need to book your travel with the Yonder card, and cover is subject to eligibility.
6. Section 75 Purchase Protection
Because it's a credit card, you get Section 75 protection on any single purchase over £100. If a retailer goes bust or you don't get what you paid for, you can claim your money back from the card provider. Real peace of mind on bigger buys.
7. No Fees Abroad
Yonder uses the Mastercard exchange rate with no mark-up and no foreign transaction fees. If you travel, this alone can save you a couple of percent on everything you spend overseas compared to most high street cards.
The Total: Up To £140 Of Value
Here's the full welcome breakdown:
- £10 back on your first £10 spend
- 20,000 points = up to £100 worth of rewards
- 2 months free = £30
That's up to £140 of value before you've paid a single penny in membership fees.
Just remember the points are only worth the full £100 if you redeem them on experiences rather than cashing out.
Yonder Full Credit Card (£100-ish worth of points + £10 Free)
Get £10 back on your first £10 spend, up to 20,000 welcome points (worth up to £100) when you spend £1,000 in 30 days, plus 2 months free. Earn 5 points per £1, no fees abroad. Use code TVMMAUV.
New members only. 18+ UK. 65.1% APR representative (variable). Do your own research before applying.
How To Get Your Free £110-ish From Yonder
1) Sign Up Using Our Special Link & Code
You'll only be eligible for this offer if you use a friends link / code. If our site has helped you make some money, please consider using our referral codes below. For transparency, we'll also get 10,000 bonus points if you join. Thank you for your support! ❤️
This link should automatically apply the offer, but if you're asked to enter a referral code at any point, use this one: TVMMAUV
2) Complete Your Yonder Application
To get this offer, you'll need to apply for the Yonder Full Credit Card.
But don't worry, the app will guide you through an eligibility checker before it runs any hard credit searches on your file. You can find out if you're eligible with zero risk of it impacting your credit score.
If you are pre-approved, and invited to open an account, Yonder will then run a hard credit search, and collect some personal identification documents.
It shouldn't take you more than 5 minutes to sign up.
3) Add Your Yonder Card To Apple Pay (Or Google Pay)
After your account is open, you'll be offered the option to add your shiny new Yonder card to your digital wallet.
You can then use Apple Pay or Google Pay purchases to qualify for the free £10 offer, before your physical card even arrives in the post.
Just buy anything over £10 and Yonder will credit £10 back to you in statement credit. When I joined, I got the account opened, and the free tenner in the same day.
4) Spend £1,000 In 30 Days To Get 20,000 Bonus Points
If you're looking for more than just a free tenner, this is the step that will unlock up to £100 worth of valuable rewards.
For 30 days, put all your normal spending on the card. If you will naturally spend £1,000 in the next month - it's a no brainer.
If you don't think you will spend £1,000, maybe you could buy things on behalf your family / friends (as long as you trust them to pay you back quickly).
I've also heard of people using credit cards to top up their council tax / energy bills, and then requesting a refund via Direct Debit. I don't really recommend this, I'm just letting you know that there are some creative ways to meet minimum spend requirements.
Either way... spend £1,000 in 30 days, and you'll get 20,000 bonus Yonder Points, which are worth around £100. Your first 30 days essentially give you a 10% reward rate if you hit the requirements - not bad at all!
Who Is This Card Actually Good For?
Not everyone should sign up. Here's who it makes sense for:
You spend £1,000 a month or more naturally
The welcome points need £1,000 of spend in 30 days. If your normal spending, groceries, travel, eating out, already covers that, you're not changing your habits. You're just routing spending through the card and collecting 5x points on top of the bonus.
You eat out or grab coffee regularly
Yonder's points are at their most valuable when redeemed on dining and coffee partners. If your social life involves restaurants, cafes and pubs, you'll squeeze far more than £100 of value out of the points over a year.
You travel, even occasionally
No FX fees, worldwide travel insurance and airport lounge access make this a genuinely good card to take abroad. The fee-free spending alone can cover the membership if you travel a couple of times a year.
You pay your credit card in full every month
This one is non-negotiable. With a purchase rate of 28.67% and a representative APR of 65.1%, carrying a balance will wipe out every point you earn. If you don't clear the card each month, this isn't the card for you.
is it for you?
If you can clear the balance in full each month and you'd spend £1,000 in 30 days anyway, this is one of the better welcome offers on a rewards card right now. Use code TVMMAUV (or click the button below) to get the two free months as well.
The Catches: What You Need To Know
The APR is high
The representative APR is 65.1% variable, based on a £1,200 credit limit, with a purchase rate of 28.67%. That's up there. If you carry a balance even once, the interest will swallow your points and then some. Set up a Direct Debit to pay in full every month.
It costs £15 a month after the free period
After your two free months, the Full Credit Card is £15 a month, which is £180 a year. That's only worth it if you spend enough to earn meaningful points and actually use the travel perks. If you're a light spender, the free Yonder card at 1 point per £1, or a simple cashback card, might suit you better.
The points are worth less as cash
The headline £100 value assumes you redeem on Yonder Experiences. Take the points as cashback and 20,000 points drops to around £20. The card only makes sense if you're happy spending points on dining, travel and experiences rather than cashing out.
Don't overspend to hit the bonus
£1,000 in 30 days should come from your normal spending. If you'd have to stretch yourself to hit it, the maths flips. Only put through what you'd spend anyway. Cash in your account today is worth more than points on a card tomorrow.
How To Get The Offer (Use Code TVMMAUV)
Here's exactly how to claim the full welcome offer:
- Tap the button below, or enter code TVMMAUV when you sign up
- Download the Yonder app and pick the Full Credit Card
- Pass the quick eligibility check (it's a soft search, so it won't affect your credit score)
- Make your first £10 of eligible spend within 7 days to get £10 back
- Spend £1,000 within 30 days to unlock the 20,000 bonus points
The code TVMMAUV should be pre-filled if you use the button below. If it isn't, just type it in where the app asks for a referral code.
claim the offer
Ready to grab your £10 back and up to £100 in points? Head to Yonder, enter code TVMMAUV (or click the link below) and you'll get your first two months free while you test the card.
Frequently Asked Questions
What are Yonder points actually worth?
It depends how you redeem them. At Yonder Experiences, their dining, shopping and travel partners, points are worth up to 0.5p each, so 20,000 points is worth up to £100. Redeemed as cashback they drop to around 0.1p each, about £20. The best value is almost always the experiences.
How do I make sure I get the full welcome offer?
Sign up through the link on this page and use code TVMMAUV. Make your first eligible £10 purchase within 7 days to get £10 back, and spend £1,000 within your first 30 days to unlock the 20,000 points. You'll also get your first two months of membership free.
Is Yonder a credit card or a debit card?
Yonder offers both. This post covers the Full Credit Card, which earns 5 points per £1. They also have a Free Credit Card at 1 point per £1, and debit cards where you top up your own money. The welcome points vary depending on which card you pick.
Does the eligibility check affect my credit score?
No. Yonder's eligibility check uses a soft search, so it won't leave a mark on your credit file. Only a full application involves a hard credit check.
Is Yonder a bank?
No, but they're a regulated financial institution and partner with a bank, so any money you hold with them is FSCS protected. The cards run on Mastercard and are accepted at over 44 million locations worldwide.
Do I have to pay the £15 a month forever?
No. You can cancel any time. The two free months with code TVMMAUV give you 60 days to test it and bank the welcome points. If the 5x points and travel perks aren't worth £15 a month to you, cancel before the fee kicks in.
Can I use the points on flights?
Yes. You can use points on any flight, any airline. You can also convert 5 Yonder points into 1 Asia Mile. Flight redemptions are worth less than the headline experiences rate, but they're still a solid way to use your points.
The Yonder Full Credit Card is one of the better rewards cards in the UK right now if you're happy to pay £15 a month for a 5x earn rate, travel insurance and no FX fees. With code TVMMAUV you get £10 back, up to £100 in points, and two months free to test the whole thing before committing a penny in fees.
Just remember the golden rule with any rewards card: pay your balance in full every month. Set up a Direct Debit and never pay a penny of interest. That's how the points stay free money.
Full disclosure: if you join through our link and use code TVMMAUV, we earn a small reward from Yonder. It doesn't change what you get, and it's what keeps 30 Pence running. Thanks for supporting us.
Last updated: 24 August 2026.
