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Cross River Bank Yendo Card Review

Cross River Bank Yendo Card ā€” all information about the credit card.

Updated June 17, 2025
Advertiser Disclosure Our Methodology
Cross River Bank Yendo
Apply now
Our Rating:
1.63 out of 5
scorer
Recommended credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $40 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    29.88% Fixed
  • Balance Transfer APR:
    29.88% Fixed
Show more

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Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 29.88% Fixed
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 29.88% Fixed
  • APR for Cash Advances
    • 29.88% Fixed
  • How to Avoid Paying Interest
    • As for paying interest, your due date is at least 25 days after the close of each billing cycle. You will not be charged Interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

  • Annual Fee
    • $40 annually
  • Fees for Balance Transfer
    • 5%
  • Fees for Cash Advances
    • 3%
  • Return Payment
    • Up to $25
  • Late Payment
    • Up to $20
View all Rates & Fees

Pros & Cons

Pros:
  • Auto Loan Refinancing
  • Easy application process
  • Pre-approval doesn't impact your credit score
Cons:
  • Annual fee
  • No rewards program
  • Foreign transaction fee

Features

Classic
Mastercard
  • Poor Credit
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Cross River Bank
Cross River Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
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  • $75.00 for the 1st year, $48.00 after
    Annual Fee
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    Cash Back on all purchases.
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    Purchase Intro APR
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Yendo Credit Card Review

The Yendo Credit Card is an innovative credit card for those looking to access their car's equity for a higher credit limit at an affordable rate. With the Yendo Credit Card, you can unlock your car's value and use your card anywhere MastercardĀ® is accepted.

Yendo Credit Card: Pros and Cons

Pros: Cons:
Access to a higher credit limit. Leverage your carā€™s equity for a higher spending limit without the hassle of traditional credit checks. High APR. A fixed 29.88% APR applies to purchases, balance transfers and cash advances.
Affordable rates. Benefit from a competitive rate on your credit limit, making it more affordable than many traditional credit cards. Additional fees. There is a 3% fee for cash advances (5% for balance transfers), which can quickly increase with frequent use.
Use anywhere MastercardĀ® is accepted. Enjoy the flexibility of using your Yendo Credit Card at millions of locations worldwide. Limited rewards. While you get access to credit, thereā€™s no rewards program or cashback options.

Yendo Credit Card: How It Works

The Yendo Credit Card allows you to unlock the equity in your car to get a higher credit limit, which can be used for purchases wherever MastercardĀ® is accepted. The card offers a fixed 29.88% APR for purchases, balance transfers and cash advances.

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Note that cash advances are subject to interest charges at the standard APR of 29.88%, so be sure to pay them off quickly to avoid high interest costs.

The Card has an annual fee of $40, thatā€™s billed annually on the month of account opening, with the initial fee charged on the date of the first transaction.

Who Can Benefit from the Yendo Credit Card?

The Yendo Credit Card is a great choice for those who want to use their car equity to get a higher credit limit. If you're in the process of building or improving your credit, this card provides an affordable way to increase your purchasing power.

If you're looking for a reliable and flexible credit option with a higher limit, the Yendo Credit Card is an excellent choice to access the value of your car.

Are There Any Other Benefits?

  • No impact to credit for pre-approval decision. Get pre-approved without impacting your credit score.
  • Payments made easy. You have options for making payments including ACH, Debit and Cash.
  • MastercardĀ® Acceptance. Use your card anywhere MastercardĀ® is accepted, whether it's for online purchases or in-store shopping.
  • Virtual card before your physical card arrives. The virtual card provides quick access to credit for use online or with Apple, Google or Samsung Pay while your physical card is on the go.
  • Access to Credit with No Minimum Score. Whether you're building or rebuilding credit, you can qualify for the Yendo Credit Card with minimal requirements.

Conclusion

The Yendo Credit Card is a great option for those looking to unlock the value of their car to access a higher credit limit. With a fixed 29.88% APR, the Card offers a straightforward way to access credit, as long as you manage payments responsibly.

If youā€™re looking to use your carā€™s equity to access a higher credit limit, the Yendo Credit Card offers an affordable way to do so with MastercardĀ® acceptance. Apply today to get started and unlock your car's value!

FAQ

What is the interest rate for the Yendo Credit Card?

The Yendo Credit Card has a fixed 29.88% APR for both purchases and cash advances.

Is there an annual fee for the Yendo Credit Card?

Yes, the Card has an annual fee of $40, thatā€™s billed annually on the month of account opening, with the initial fee charged on the date of the first transaction.

Can I use the Yendo Credit Card internationally?

Yes, the Yendo Credit Card is accepted wherever MastercardĀ® is accepted, both domestically and internationally.
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Recommended credit score
scorer
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    Annual Fee
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    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
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