Getting started

Yes, Yendo is a Mastercard credit card.

We issue you a virtual credit card as soon as you become a cardholder, and then we will mail you a physical credit card within a few days.

The virtual credit card is just a digital version of your Yendo card that you can use right away. You can see your card number, expiration date, and security code (CVV) in the Yendo mobile app. This means you don’t have to wait for the physical card to arrive—you can start using your virtual card for online purchases or add it to your mobile wallet (like Apple Pay or Google Pay) to pay in stores.

The physical credit card is the plastic card that will be mailed to you. You can use it in stores by swiping or tapping, just like any other card. The physical card usually arrives within 7-10 business days after you’re approved.

Both cards work the same way for purchases and building your credit—it's just that the virtual card lets you get started immediately, while the physical card is what you’ll carry in your wallet.

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1. Open your phone's wallet app (such as Apple Pay, Google Pay, or Samsung Pay).
2. Find the option to add a new card. This is usually indicated by a "+" symbol or an "Add Card" button.
3. Enter your card details manually
4. Follow any prompts for verification, which may include receiving a text message or email.Once you've completed these steps, your virtual card should be added and ready to use.

No, FedEx should provide you one when you show them the QR code in your app. If you’re mailing your title from a FedEx partner location like Walgreens or Dollar General, they may ask you to purchase an envelope, but if they do, please tell them that the envelopes are paid for by Yendo. If they continue to give you a hard time, please purchase an envelop from them and reach out to our support team who can reimburse you via a statement credit. You can also bring your own envelope just in case.

At this time, we do not offer any rewards programs with the Yendo Credit Card.

Currently, we only allow one vehicle per account, so you won't be able to add a second vehicle.

When you get your physical card in the mail, log into your Yendo app and follow the card activation directions from the home screen. It’s quick and easy.

Our APR (Annual Percentage Rate) is 29.88%.

1. Your terms can be found in your Cardholder agreement sent to your email.
2. We are a Mastercard credit card with an annual percentage rate or APR of 29.88%. This is your APR and means that if you carry a purchase balance month-to-month, it accrues interest at a rate of 29.88% over the course of 1 year.
3. Cash advances have an annual percentage rate or APR of 29.88%.
4. Balance transfers have an annual percentage rate or APR of 29.88%.
5. As for paying interest, your due date is at least 25 days after the close of each billing cycle. We will not charge you any Interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
6. We have an annual fee of $40, that’s billed annually on the month of account opening, with the initial fee charged on the date of the first transaction.
7. As for transaction fees:
   1. Foreign transactions have 3% fee of the transaction amount, in U.S. dollars
   2. Balance transfers have a $5 or 5% fee of the amount of the balance transfer, whichever is greater
   3. Cash Advances have a $3 or 3% of the amount of the cash advance, whichever is greater
   4. As for penalty fees:
      • Late payment fees are up to $20
      • Returned payment fees are up to $25
      • Overlimit fees do not have a fee.

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You will need to activate the facial recognition feature on the mobile app to view the full card information.

We receive your title within 3-5 business days, and your full credit limit will become available once our team receives your title.

If you want to learn more about Yendo’s Title Validation and Title/Lien Release Process, please take a look at this article.

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