Yonder vs Amex

Sure, we’re marking our own homework, but here's an honest comparison between Yonder and Amex.

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Information on this page is accurate as of October 2024. By continuing, you agree to our App Terms & Privacy Policy

Yonder vs Amex: a Guide

Whether you’re looking for a premium membership with all the perks, or to simply start earning points when you pay, a Yonder or American Express (Amex) card could be for you. But with different plans and point systems available, which one gets you the most for your money?

We know we’re marking our own homework here, but if you’re not sure whether to go with Yonder or Amex, our honest guide should help you make your mind up. If you’re pressed for time, here’s how Yonder compares with Amex at a glance.

Yonder card near a receipt
Two Yonder cards near some olives and a cocktail

How Yonder and Amex compare, at a glance

Information accurate as of October 2024. Check the Amex and Yonder websites for up to date information.

Features
Amex Gold
Yonder
Important info
Fee
£195 year
£15 month or £160 year
Cancel anytime
No late payment fees
Purchase rate
30.7%
29.94%
Rewards
Welcome bonus points
20,000
10,000 worth up to £50
Minimum spend to unlock
£3,000 spend
No minimum spend
Use points towards any flight with any airline
Curated dining, wellness and brand rewards
Sometimes
Updated Monthly
Travel
Worldwide travel insurance
Accident & Inconvenience
Comprehensive
Spend abroad fees
2.99%
No fees
Cash withdrawals abroad fees
Higher of £3 or 3%
£150 / day no fee
In-app trip summaries
Everyday essentials
Apple & Google Pay
Purchase protection
Accepted everywhere Mastercard is

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Yonder vs Amex: Points

With both Yonder and Amex, your credit card rewards you with a number of points every time you use it. These points can then be used to unlock a range of rewards and experiences, from gift vouchers to getaways. However, the total number of points you get for the same purchase depends on the provider you’re with and the plan you’re on. Both Yonder and Amex cards offer customers a certain number of points per £1 spent, with more points on offer on selected items and experiences.

So, between Yonder and Amex, what is the best credit card for points?

Points per £1 spent

Starting with the points you earn per £1 spent, Yonder cardmembers with the free membership earn 1 point per £1 on all purchases, with up to 5 points per £1 on selected Experiences. As for those on Yonder’s full membership, cardmembers earn 5 points on all purchases and up to a whopping 25 points per £1 on selected Experiences.

On the other hand, Amex Gold cardholders earn 1 point per £1 spent on everyday purchases, 2 points for every £1 on purchases made with airline partners, and 3 points for every £1 spent on Amex Travel. Amex BA cardholders can also expect to earn 1 Avios — the British Airways Executive Club point system — per £1.

Yonder card near a receipt
Yonder card near a payment machine

Sign-up and welcome points bonuses

Spending isn’t the only way cardmembers can earn points. Amex Gold offers cardholders 20,000 Amex points for joining, but only if members spend £3,000 in the first 3 months of membership. From there, cardholders can earn 2,500 bonus points on every £5,000 spent, worth up to 12,500 a year.

On the other hand, Yonder’s full membership offers users 10,000 welcome points — worth up to £50 — with no minimum spend and with a fee-free month on top. Accurate as of October 2024.

Referring a friend

Amex Gold cardholders can expect to earn 9,000 Membership Rewards points for every friend they refer, with a maximum of 90,000 points up for grabs.

As for Yonder users, cardholders on full and free memberships can earn 10,000 and 2,000 points for every friend referred respectively, with no limit to the number of friends you can refer. Accurate as of October 2024.

Yonder card standing on it's end

Yonder vs Amex: Travel

Fancy a getaway that won’t break the bank? Both Amex and Yonder offer travel-based rewards – but which card goes the extra mile?

Yonder card on a beach with a drink and sunglasses

Using points to book flights

If you’ve got your sights set on the skyline, Yonder’s full membership users can use their points to book any flight with any airline, as long as the transaction is made directly with the airline and not through a third party.

Amex Gold cardholders can also use their points to book flights, but only with certain providers, and BA Amex points can only be used to book British Airways flights. While members with Yonder’s free membership and Amex Everyday Cashback cardholders can’t use points to pay for flights, both cardholders can still earn points on every £1 spent booking their flight.

Travel insurance

Sometimes things don’t go according to plan, but the right card can take the sting out of your setback.

Amex Gold cardholders can claim up to £250,000 in Travel Accident Insurance and up to £200 in Inconvenience Insurance, anywhere in the world. As for BA Amex cardholders, travellers can receive up to £75,000 cover on public transport tickets purchased with their American Express card, but only in selected countries.

Yonder full membership cardholders, however, are covered for almost any crisis. Powered by Qover, Yonder’s worldwide family travel insurance covers cardholders on up to £500,000 in Personal Liability Insurance, £7,500 on cancelled flights, £1,000 on lost and stolen baggage and £1,000,000 on medical expenses, plus winter sports and car excess cover anywhere in the world.

Yonder card on a table with an open magazine and some photos
Yonder card near a plate of olives and some cocktails

Overseas spending

If you’ve used your Yonder points to book your next holiday abroad, take your card with you — you won’t be charged for using your card abroad.

Amex cardholders, however, are charged 2.99% on every transaction made internationally.

Global acceptance

While Amex cards are accepted in 22 million locations globally, Yonder is accepted in twice the number, with a staggering 44 million locations accepting payments made on Yonder cards. If you can use a Mastercard to make a payment, you can use a Yonder card, too.

Yonder card near a festival wristband and a beer

Yonder vs Amex: Rewards & Experiences

Planning something special or simply can’t be bothered to cook? From catch ups over coffee to nights out on the town, the right rewards credit card lets you do more of what you love for less.

Dining & lifestyle rewards

If you’re an Amex Gold cardholder and fancy a cosy night in, your rewards credit card can get you £5 back on eligible Deliveroo deliveries on takeouts twice a month. Cardmembers can also attend events hosted by partner Eat Life, offering members access to exclusive events hosted across the year. However, these events are restricted to a set time and location, meaning if you’re not in the right place at the right time, you’ll be missing out.

Yonder Experiences, however, are our bread and butter. Yonder points can be used at any time on a range of experiences across the country, with cardholders able to choose from fitness classes, on stage performances, dining experiences and more depending on their location.

Our online offerings are available UK-wide, with at-home experiences available for Yonder customers anywhere in the country. Below are some past member favourites.

Yonder card near some plates of food
food & drinks
food & drinks
food & drinks

Dine out at the hottest spots

tickets
tickets
tickets

Immerse yourself in arts and culture

Meal Plans
WHOLE SUIT
flower boxes

Discover the best online brands

FULL MEMBERSHIP

any flight, any time
quick getaways
Car rentals

Escape the city, explore the world

Yonder vs Amex: Fees

Rewards credit cards are packed with perks, and paying a little extra for a premium package can make your money go further. Read on to find out which rewards credit card gives you the best bang for your buck.

Yonder card near a plate of strawberries and cream and a tennis racket

Membership fees

Both Yonder and Amex offer credit cards for no annual fee, but for premium members, Yonder’s offer of £160 a year — or £15 a month — beats out the £195 price tag that comes with an Amex Gold card.

Representative APR

Beore we dive into this section, we know Representative APR doesn’t make a lot of sense. If you don’t, you’re not alone — 94% of people don’t know what Representative APR is.

So, if you’re thinking “WTF is APR?”, we ran our CRO a bubble bath and asked him to explain what APR is for us.

Comparing Yonder and Amex APR

Now that’s out the way, here’s a how Yonder and Amex stack up on APR.

Yonder

Amex

Full Membership 66.7% Rep. APR Variable
Amex Gold 88.3% Rep. APR Variable
Free Membership 32.9% Rep. APR Variable
Amex Everyday Cashback 30.7% Rep. APR Variable
Accurate as of October 2024. Be sure to check Yonder and Amex websites for the most up to date information.

Yonder vs Amex: Verdict

Sure, we may be biased, but the numbers don’t lie. With a variety of experiences up for grabs at a lower price tag, your Yonder card makes an exciting life more accessible, both at home and abroad.

To get your hands on your credit card-shaped key to the city, simply check your eligibility and get started today.

Become a Yonder member today

Choose the membership option that works for you.

Become a full Yonder member
£15/mo, cancel anytime
new member offer
Get 1 month free membership
Earn 5 points per £1 spent
Worldwide travel insurance
No fees abroad
Stunning premium card (3 month min)
Plus 10,000 bonus points
Worth £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
29.97% (var)
Representative
66.7% APR (var)
WTF is APR?!
Based on a
£1,200 limit
Learn more
Or try our free membership
£0/mo, no commitment
Same Yonder, just fewer features
Apply to upgrade anytime
Earn 1 point per £1 spent
Worldwide travel insurance
No fees abroad
Slick plastic card
Plus 10,000 bonus points
Worth £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
32.9% (var)
Representative
32.9% APR (var)
WTF is APR?!
Based on a
£1,000 limit
Learn more
Become a full Yonder member
£15/mo, cancel anytime
new member offer
Get 1 month free membership
Earn 5 points per £1 spent
Worldwide travel insurance
No fees abroad
Stunning premium card (3 month min)
Plus 10,000 bonus points
Worth £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
29.94% (var)
Representative
66.7% APR (var)
WTF is APR?!
Based on a
£1,200 limit
Learn more
Or try our free membership
£0/mo, no commitment
Same Yonder, just fewer features
Apply to upgrade anytime
Earn 1 point per £1 spent
Worldwide travel insurance
No fees abroad
Slick plastic card
Plus 10,000 bonus points
Worth £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
32.9% (var)
Representative
32.9% APR (var)
WTF is APR?!
Based on a
£1,200 limit
Learn more

See if you’re eligible

No impact on your credit score
Takes less than 60 seconds
Check my eligibility
By continuing, you agree to our App Terms & Privacy Policy
Nearly there, {Name}

You’re eligible for Yonder membership!

Finish your application and get your card
What’s a Representative Example?

A representative example is something we show so you can get an idea of how much it could cost if you borrowed £1,200 a year. It includes the representative APR, purchase rate and any fees associated with the product.

So you know, if ever you need to borrow money from us, the purchase rate is the rate you’ll pay.