Yonder is a modern lifestyle credit card packed with rewards, no foreign exchange fees, and loads more. This is a credit card that gives you 1 point for every £0.20 spent. Use my referral link to get a 3-month free subscription and 10000 (£50). Points last forever, so use them when you're ready. And up to 5x at Yonder experience partners. Points can be redeemed at various London, Bristol, Bath and Manchester restaurants and shops. Other benefits include worldwide family travel insurance, No FX fees when card used abroad, Purchase protection, boosting your credit score, and much more Simply spend with your regular virtual card or order a metal card. How to use points: Pick an experience in the app. Every month, Yonder will add new experiences to the app. Yonder will help you book a table or ticket if you need it. Enjoy your meal, drink, or event Head to the experience and pay normally using your Yonder card. No coupons or annoying codes are required. Use points or pay normally and earn 5x points. Tap the transaction in the app and swipe to choose to either pay with points, or pay normally and earn up to 5x points. The experiences keep changing every month or so for Movies, Gym, restaurants, etc. Application process: You'll need your phone and government ID. Download the Yonder app from the App Store or Google Play Store using my link. Verify your email and enter a few details about yourself. Connect your bank accounts (please connect the account that you use on a daily basis, get salary from, or have reoccurring money deposits) to help yonder get the right credit limit. Confirm your identity with a quick selfie. That's it! Your metal card is on the way, with your digital card ready to use in the app. The price after 3 months is £15 per month or £160 per year, cancel anytime. It's worth every penny if you love going out ins London, Bristol, Bath and Manchester restaurants and some online curated experience, just to boost your credit score, or even just for referrals. If you use my referral link I'll get 10000 points (I'll only get them once you've made a transaction, but you will get 3 month free + 10000 points instantly) : My link The 10000 points you can redeem at their shared experiences like restraunts, coffee shops, online stores etc. or £10 credit on your credit card bill. Note: It is a paid card after 3 months, you can always use the £50 and downgrade it to the free version of the card before 3 months!