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- Regular Purchase APR 29.88% fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $40
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Regular Purchase APR 29.88% fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $40
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- 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
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
Expert Reviews
From the CompareCards.com Editorial Team, updated on Jun 10, 2025
Expert Reviews of Yendo Vehicle Equity Mastercard®
The Bottom Line
The Yendo Vehicle Equity Mastercard® is an innovative financial tool that allows users to leverage their vehicle equity to build credit while offering flexibility and accessibility for those with limited credit histories. While it does require vehicle ownership, its unique approach makes it a valuable option for individuals seeking an alternative to traditional secured credit cards.
The Good
The Yendo Vehicle Equity Mastercard® allows users to leverage their vehicle equity as a secured line of credit, providing an innovative way to build credit while accessing funds. It's particularly beneficial for those with limited credit history, offering a unique and flexible alternative to traditional secured credit cards.
The Not so Good
The Yendo Vehicle Equity Mastercard® requires vehicle ownership to qualify, which excludes those without a car from using this option. Additionally, tying credit to a vehicle's equity might pose risks, as missed payments could potentially affect the security provided by the vehicle.
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.
Consumer Reviews
OFFER RATING
/5.0
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Our pick for choosing your own cash back rewards
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
See additional details for Bank of America® Customized Cash Rewards credit card
Our pick for best unlimited travel rewards card
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Travel Rewards credit card
Our pick for frequent online shoppers
- Streaming Benefits Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Welcome Offer Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- Rewards Rate 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand American Express
- Streaming Benefits Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Welcome Offer Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- Rewards Rate 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand American Express
Highlights
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
See additional details for Blue Cash Everyday® Card from American Express
