Cardless
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Location
Headquarters: San Francisco, California, United States, North America
Region: California
Country: US
Continent: North America
About
Cardless is a fintech company that provides an embedded credit card platform, enabling brands to offer credit features within their products. It offers modular APIs, pre-built components, analytics, and full-service infrastructure to run credit programs end-to-end. The platform emphasizes native card experiences, approvals, rewards, and card management that can be embedded directly into apps or websites. Headquartered in San Francisco, Cardless works with a range of customers to grow engagement, revenue, and brand loyalty by integrating credit at key moments in the user journey.
Cardless provides an embedded credit card platform that enables consumer brands to launch and manage credit programs within their own applications. The company offers modular APIs and infrastructure for approvals, rewards, and card management across sports, travel, and retail sectors. Its customers are brands seeking to integrate financial services directly into their user experiences.
Cardless, Inc.
2019
for_profit
active
Industries
Primary Industry: Software
Categories
Funding & Financials
Series C
155100000
1m-10m
private
Investors
Founders
Michael Spelfogel
Scott Kazmierowicz
Leadership
Technology Stack
Products
Embedded Credit Card Platform: A platform that enables consumer brands to launch and integrate credit card products into their mobile apps or websites with embedded application, account management, and card usage features.
Credit Card Issuance and Management Services: Services that handle credit card application processing, underwriting, fraud detection, compliance, and ongoing account management for consumer brands.
Marketing and Customer Engagement Services: Services to support customer acquisition, loyalty programs, and targeted marketing campaigns for credit card products.
Credit Card Products for Consumer Brands: Branded credit cards issued in partnership with Cardless, tailored for specific customer segments such as airline loyalty members or retail shoppers.
Funding rounds
Series C · $60M · (2025-09-22) · Lead: Spark Capital
Series C · $30M · (2024-11-26) · Lead: Activant Capital
Debt Financing · $75M · (2023-05-16) · Lead: i80 Group