What Is The Best Cardless Card?

Update: Signup bonus lowered to $50 and earning rates reduced for sports cards. Read more here.

Cardless credit card company based in San Francisco, CA. Founded in 2019 by Stanford graduates Michael Spelfogel and Scott Kazmeierowicz, Cardless has raised $50M in equity funding. Cardless is a newcomer in the credit card issuer field and it provides custom co-branded credit card products, which are quite similar to each other, but also offer unique benefits. It has so far partnered with sports teams in England and the US to offer six different credit cards. Soon it will launch its first airline credit card in partnership with LATAM.

All Cardless cash back cards come with the same signup bonus of 30,000 points after spending $2,000 in the first three months 5,000 points after spending $500 in the first three months. That bonus is worth $300, and you can easily redeem it for statement credit. Recently Cardless launched two LATAM cards, with one of them being the first product with an annual fee. Those cards earn miles instead. 

You can apply for any Cardless credit card here (my referral). Just scroll to the bottom of the page and pick the card you want. You get the credit card number right away and can also access it at any time using the app. Check out the details of each card below and see which one is the best Cardless card for you.

Boston Celtics Card

• Earn:
  • 7x points on select rideshare and streaming services
  • 4x points bars & restaurants
  • 2x points on groceries and drug stores
  • 1x points on everything else
• Redeem points for statement credit at 1 cent value
• Perks for Celtics fans:
  • 20% off purchases at the online Celtics shop
  • 7x points on Celtics tickets
  • Redeem points for team-signed balls, jerseys, and much more.
  • Redeem points for Fanatics gift cards for Celtics gear at 1.25 cents value.
• Read more about the card.

Cleveland Cavaliers Card

• Earn:
  • 3x points at bars & restaurants
  • 3x points on groceries and select food delivery services
  • 1x points on everything else
• Redeem points for statement credit at 1 cent value
• Perks for Cavaliers fans:
  • 10% off purchases at the Cavaliers Team Shop (in-venue and online)
  • 5x points on Cavs season tickets and select streaming services
  • 3x points on other Cavs tickets
  • Redeem points to meet your favorite players, team-signed balls and jerseys, or even being an honorary benchwarmer.
  • Redeem points for Fanatics gift cards for Cavaliers gear at 1.25 cents value.
• Read more about the card..

LATAM No-Fee Card

• Earn:
  • 3x miles on LATAM purchases
  • 3x miles at restaurants and ground transportation
  • 1x mile on everything else
• Qualifying Points: Issued at a rate of 10% of miles earned from card purchases (sign-up bonus and promotional miles excluded)
• No Foreign Transaction Fees
• No Annual Fee
• Read more about the card.

LATAM $99 Fee Card

• Earn:
  • 4x miles on LATAM purchases
  • 3x miles at restaurants and ground transportation
  • 1x mile on everything else
• Qualifying Points: Issued at a rate of 20% of miles earned from card purchases (sign-up bonus and promotional miles excluded)
• 3 Upgrade Coupons (LATAM Pass Gold Plus elites and above will not receive additional Upgrade Coupons)
• LATAM Lounge Access: 2 passes per account year
• No Foreign Transaction Fees
• $99 Annual Fee
• Read more about the card.

Liverpool FC Card

• Earn:
  • 5x points on rideshare and select streaming services
  • 3x points at bars & restaurants and select food delivery services
  • 1x points on everything else
• Redeem points for statement credit at 1 cent value
• Perks for LFC fans:
  • Complimentary LFC International Membership
  • 10x off in LFC official stores and online (up to a total of £75/season) upon activation of your LFC membership
  • 5x points at the Official Liverpool FC Store and on Liverpool tickets
  • Redeem points for team-signed merchandise, meeting Liverpool legends, and much more.
  • Redeem points for Fanatics gift cards for Liverpool FC gear at 1.25 cents value.
• Read more about the card.

Manchester United Card

• Earn:
  • 5x points at bars & restaurants and select food delivery services on match days*
  • 5x points on select rideshare and streaming services*
  • 1x points on everything else
• Redeem points for statement credit at 1 cent value
• Perks for Man U fans:
  • 10% off at The Official Manchester United Megastore, Red Cafe, and United Direct
  • Redeem points for team-signed merchandise, meeting Manchester United legends, and much more.
  • Redeem points for Fanatics gift cards for Man Utd gear at 1.25 cents value.
• Read more about the card.

Miami Marlins Card

• Earn:
  • 3x points at bars & restaurants and select food delivery services
  • 3x points on gas and drugstores
  • 1x points on everything else
• Redeem points for statement credit at 1 cent value
• Perks for Man U fans:
  • 5% off at retail and concessions at loanDepot park
  • 5x points on Marlins tickets purchased through MLB.com
  • Redeem points for VIP experiences, seat upgrades, and autographed memorabilia.
  • Redeem points for Fanatics gift cards for Marlins gear at 1.25 cents value.
  • Transfer to Home Run Rewards 10 Cardless points is 1 Home Run Reward point
• Read more about the card.

New Orleans Pelicans Card

• Earn:
  • 4x points on gas
  • 4x points at bars & restaurants and select food delivery services
  • 1x points on everything else
• Redeem points for statement credit at 1 cent value
• Perks for Man U fans:
  • 10% off concessions at the Smoothie King Center
  • 10% off at the Pelicans Team Store (in-venue and online)
  • 4x points on Pelicans tickets
  • Redeem points for team-signed merchandise, meeting Pelicans legends, and much more.
  • Redeem points for Fanatics gift cards for Pelicans gear at 1.25 cents value.
• Read more about the card.

Referral Program

Cardless has a pretty good referral program as well. If you have on Cardless credit card, you can refer friend and family members for that card, or any other Cardless product. I have the Pelicans Card myself, and my referral link takes you to that card. But if you scroll down to the bottom of the page, you can then apply for any card you want.

The person signing up gets the 30,000 points bonus, which the referrer gets 10,000 points. There’s a limit of 10 referrals per year.

If you are in two player mode, you can make a quick $700 by signing up yourself and then referring your significant other.

Best Cardless Card?

If you’re a fan of any of the teams that have a Cardless card then you might be inclined to pick that as your best option. You do get some unique redemption options for each card. 

Otherwise, the signup bonus is the same for all cards and the only thing that sets them apart is the earning rate. The Pelicans card earns 4x points on gas, bars, restaurants and select food delivery services. The Manchester United card earn 5x points at bars and restaurants and select food delivery services on match days and  5x points on select rideshare and streaming services. The Cavaliers card offers 3x on groceries, and the Marlins card has 3X on drugstore purchases. Other cards have a mix of these categories as well, some at lower earning rates. Then there are the two LATAM cards for those who use the airline or its partners.

I’m a Knicks fan, so the team specific perks don’t matter much, until a Cardless Knicks card comes out. I think the New Orleans Pelicans card makes the most sense for me, so that’s the card I picked. The new LATAM card could provide some different perks and could be an interesting options for some, but we have no details on that card yet.

With that said, you should still look at other credit cards first, especially if you are under Chase 5/24. Cardless offers good perks for no-fee cards, but welcome bonuses are only $300.

Let me know if you have a Cardless credit card in your wallet, or which one would be your top pick.