Yendo review
Updated September 30, 2026 · DebitCue Editorial Team · Facts checked September 30, 2026
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Our verdict
Yendo suits spenders in the US who want vehicle secured credit with cashback on everyday purchases, backed by support across email, chat and phone. The card carries an annual fee of $40 and APR of 24.88% to 35.88%, with rewards paid as 1.5% unlimited cashback.
Key facts
- Best for
- Vehicle secured credit with cashback on spending
- Annual fee
- $40 (Source, checked September 30, 2026)
- APR
- 24.88% to 35.88% (Source, checked September 30, 2026)
- Rewards type
- Cashback (Source, checked September 30, 2026)
- Rewards rate
- 1.5% unlimited cashback (Source, checked September 30, 2026)
- Cashback rate
- 1.5% (Source, checked September 30, 2026)
- Card kind
- Credit (Source, checked September 30, 2026)
- Regulators
- NMLS (Source, checked September 30, 2026)
- Legal entity
- Yendo Inc. (Source, checked September 30, 2026)
- Headquarters
- United States (Source, checked September 30, 2026)
- Support channels
- Email, Chat, Phone (Source, checked September 30, 2026)
- Features
- Rewards, Secured
- Official website
- yendo.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Cashback paid as 1.5% unlimited cashback through cashback gives steady value on everyday card spending.
- Support through email, chat and phone gives choice across email, chat and phone when help matters.
- NMLS oversight through NMLS with licence 2758990 gives clear public records for US readers.
- Credit structure as credit with rewards and secured suits readers building history while earning rewards, unlike Qonto for non credit use.
Cons
- Annual fee of $40 costs more than Oney Préstamos with fees of €0 when fixed charges matter.
- APR of 24.88% to 35.88% sits above typical cashback APR at 22.1%, which raises the cost of carried balances.
- Cashback at 1.5% through cashback may feel narrow next to Qonto for readers who want non rewards card use.
Ready to try Yendo?
Scored 8.7 / 10 by DebitCue.
Who it suits
- Drivers with a vehicle who want secured credit tied to cashback rewards on everyday spending
- US readers who value NMLS licensing clarity plus email, chat and phone support access
Who should look elsewhere
- Readers who want the lowest fixed fee should look at Oney Préstamos because it lists fees of €0 against Yendo fees of $40.
- Readers who want to avoid interest on carried balances should look at Qonto because card borrowing costs matter more than cashback here.
Safety of your money
Yendo shows oversight through NMLS. That entry places the business inside a supervised US licensing framework rather than an unsupervised setup. Readers can use the regulator name to search public registers and confirm current status before applying. The business also lists licence 2758990. That identifier helps match the offer to the correct legal record and avoids confusion with similarly named firms. Keep in mind that supervision relates to licensing and conduct rules. It does not promise investment gains, nor does it cover market moves or personal borrowing decisions. Readers still need to read card terms with care, check statements often, and raise queries early when figures look unclear. Saving copies of disclosures, messages and billing notices helps when questions arise later. Those habits support calm account management across the life of the card.
Rewards and perks
Yendo pays rewards through cashback. That setup suits readers who prefer cash style value over points, miles or vouchers. There is no need to study travel charts or transfer partners to use the benefit. Rewards are described as 1.5% unlimited cashback. That structure gives a predictable earning path on eligible purchases, which helps with budgeting and card comparisons. Readers know what to expect when they spend and repay responsibly. Day to day use stays simple. You spend on the card, you allow transactions to post, and rewards accrue under the stated terms. Account standing, payment timing and excluded transaction types can affect how rewards build, so reading the rewards terms matters. When rewards post, consider how they fit your habits. Some readers offset statement costs, while others let value build before use. Either path works when the account stays current and spending stays within planned limits.
Fees and currency costs
Yendo lists an annual fee of $40. That charge applies to keep the card open for the year, regardless of how much gets spent. Readers should weigh it against expected rewards and borrowing needs before applying. A fee based card can still make sense when use stays active and terms stay clear. The card lists APR of 24.88% to 35.88%. That range sets the interest cost when balances revolve past the due date. Rates vary with credit assessment and account terms, so individual offers can differ within the stated band. Paying in full avoids interest, while partial payments trigger charges on the remaining balance. Planning purchases around pay dates helps control costs. Readers who carry balances should model total cost with care, since interest compounds over time and adds to monthly pressure. Those who repay in full each cycle focus mainly on the annual charge plus any optional service charges set out in the schedule.
Who runs it
The operator is Yendo Inc.. That name appears on legal terms and identifies the party behind the card offer. Using the full legal name helps readers match statements, notices and agreements to the correct business. The home base is listed as US. That setting places the relationship under domestic US rules and business practice. Readers deal with local terms for billing, disputes, notices and account changes, which keeps expectations clear. Help is available through email, chat and phone. That mix covers written contact as well as live conversation, so readers can choose the route that fits the issue. Email suits paper trails, chat suits quick checks, and phone suits urgent or sensitive matters. The business also lists licence 2758990. That identifier links the company profile to its licensing record and supports independent checks. Keep contact notes, reference codes and dates when dealing with support, since clear records make follow up easier.
How Yendo compares
8.7 vs 9.0
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8.7 vs 8.8
8.7 vs 8.7Qonto lists an annual fee of €0 while Yendo lists an annual fee of $40, which suits readers who want to keep fixed card charges down.
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Yendo vs Current Build Card8.7 vs 9.4
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8.7 vs 8.8- 8.7 vs 8.8
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8.7 vs 8.5
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8.7 vs 8.0
Where Yendo is available
- Available
- United States
- Licence in United States
- NMLS (2758990), checked September 30, 2026
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What does the Yendo card charge each year+
Yendo lists an annual fee of $40 for the card. You pay that charge to keep the account open even when spending stays modest. Compare that amount with cards that list lower fixed fees before you apply.
How does interest work when a balance carries over+
Yendo lists APR of 24.88% to 35.88% for balances that revolve. You face interest charges when you carry debt past the due date. Paying the statement balance in full helps you avoid those extra costs.
How does cashback work on the Yendo card+
Yendo pays rewards as 1.5% unlimited cashback through cashback. You earn cashback on purchases without tracking bonus categories or rotating offers. Redemption terms and account standing can affect how rewards post.
Who regulates Yendo and how can that be checked+
Yendo reports oversight through NMLS and lists licence 2758990. You can use those details to check public licensing records. Regulation does not remove credit risk or market risk.
How can cardholders contact support+
Yendo offers help through email, chat and phone. You can pick the channel that suits the issue, from written queries to live calls. Keep account details ready and ask for written confirmation when the topic involves fees.
Which company operates Yendo and where is it based+
The operator is Yendo Inc. based in the United States. You hold a domestic US account relationship rather than an offshore arrangement. Local laws and card terms govern billing, disputes and account changes.
Is Yendo a credit card or another type of card+
Yendo is shown as card kind credit with features listed as rewards and secured. You use it for borrowing and repaying on a credit line rather than spending loaded funds. That structure supports account history when payments stay on time.
Sources
- yendo.com/auto-card checked September 30, 2026
Backs: Annual fee, APR, Card kind, Cashback rate, Rewards rate, Rewards type
“A $40 annual fee - Yendo Auto Card”
- yendo.com/contact-us checked September 30, 2026
Backs: Support channels
“Typical email response time is 2-3 business days. For urgent issues, contact customer service by phone or chat.”
- yendo.com/how-it-works checked September 30, 2026
Backs: Features
“What you already own, like your car is the security - Yendo Auto Card; Unlimited 1.5% cashback”
- yendo.com/licenses checked September 30, 2026
Backs: Regulators, Licences
- yendo.com/terms-of-service checked September 30, 2026
Backs: Headquarters, Legal entity
“We are registered in Texas, United States”
Compiled from 5 source pages, checked September 30, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee.