Yendo Launches Unsecured Credit Card for Non-Prime Borrowers

A new unsecured card for consumers with non-prime credit scores has hit the market. Yendo, a fintech lender, is expanding its suite of credit card products with a new unsecured card.

According to a press release, the Yendo Unsecured Card offers fair pricing and cash back rewards to borrowers accustomed to paying high fees and dealing with limited choices.

“Non-prime consumers have never had a real menu of options when it comes to borrowing,” said Jordan Miller, Chief Executive Officer and Co-Founder of Yendo. “They either accept the fees, accept the restrictions, or go without.

“Yendo was created to change that, making affordable credit more accessible to the people who need it most. Completing our card suite means that no matter a consumer’s situation, there’s a Yendo product designed to meet their needs.”

Suite of Credit Card Products

Yendo’s suite of credit card products include its flagship, vehicle-secured card, the home-asset-backed card, and now an unsecured card. 

The homeowner card allows borrowers to leverage assets in their home to access higher credit limits, and Yendo says nearly 20% of all new cardholders have chosen it since its introduction six months ago.

According to Yendo, these three cards give consumers the ability to choose the type of card that best fits their lifestyle. Consumers can move between the cards as their circumstances change. For example, a customer who sells their vehicle and no longer qualifies for Yendo’s secured auto card, could move to an unsecured card.

A Closer Look at Yendo’s Unsecured Card

For non-prime consumers, the unsecured card market has long been divided into two camps: products with steep annual fees that can reach $200 or more on cards with modest credit limits, or bare-bones cards with low fees but severe restrictions, and no rewards, according to Yendo.

Yendo’s Unsecured Card comes with unlimited 1.5% cash back on all purchases. Cardholders also have the option to add an asset to their credit card, which can result in credit limits of 500% or more at significantly lower rates, according to Yendo.

About Yendo and Its Flagship Card

Founded in 2021 in Dallas, Yendo offers the first-ever vehicle-secured credit card. This card targets consumers who have historically lacked access to the financial system because of a low credit score, or because they don’t have a credit score. 

Yendo makes applying for a credit card simple. All customers need to get started is a smartphone and a car. In less than 10 minutes, consumers can get up to $10,000 in revolving credit at a fixed rate, according to Yendo. 

 Yendo’s target audience for its credit card products is consumers with non-prime credit. Just how many consumers have non-prime credit? In the fourth quarter of 2025, 14.8% of consumers had subprime credit and 12.1% had near prime credit, according to TransUnion. 

Subprime credit cards often come with higher interest rates, lower credit limits, and annual fees. Shop carefully and comparison-shop before signing up for a subprime credit card. Look for an affordable card that best fits your needs.