- Click APPLY NOW to apply online.
- Earn 1.5% unlimited cash back on card purchases every time you make a payment.
- Yendo works like a regular Mastercard but taps into your vehicle equity to get higher limits at affordable rates
- $4,400 average credit limit - up to $10,000
- Submit an application with photos of your vehicle and receive an instant decision
- See if you Pre-Qualify in minutes without harming your credit score - all credit scores welcome to apply
- Looking to build or rebuild your credit? We report to the 3 major credit bureaus monthly
- Get a virtual card instantly after approval - simple and fast application
- Add to your mobile wallet and make purchases today using Apple Pay, Samsung Pay and Google Pay
- Accepted everywhere in the US where you see the Mastercard logo - in store, online, and in app
- Fraud coverage if your card is lost or stolen - access your account 24 hours a day, 7 days a week
- No cash deposits
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Best Credit Builder for Car Owners
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Annual Fee$40
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Welcome OfferN/A
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Rewards Rate1.5% Cash Back
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Credit Needed
Bottom Line
Unlike most other secured cards, this one uses your car as collateral instead of a traditional downpayment. This can be helpful for folks who own a car but don’t have a ton of cash on hand. It's worth noting that using your car as collateral can be risky though.
Our Take
The Good
We love that cardholders can earn 1.5% Cash Back, which can help pad your wallet with regular use.
The Not So Good
This card does use your car as collateral, which means that if you miss payments, your car could be on the line. However, with responsible use, this card can be a great way to build credit.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: 3% of the transaction amount, in U.S. dollars
- Balance Transfer Fee: $5 or 5% of the amount of balance transfer, whichever is greater
- Penalty APR: N/A
Ongoing Information
- Rewards Rate: 1.5% Cash Back
- Annual Fee: $40
Editorial Note: This content is not provided by Yendo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Yendo.
Expert Reviews
From the CompareCards.com Editorial Team, updated on Mar 05, 2026
Expert Reviews of Yendo Vehicle Equity Mastercard®
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Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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