Cardless

Cardless, based in San Francisco, California, is a financial technology firm founded in 2019 by Michael Spelfogel and Scott Kazmierowicz.

The company focuses on modernizing the delivery of financial products, making consumer credit more accessible and engaging. Cardless operates an embedded credit card platform that allows consumer brands to launch and manage custom co-branded credit card programs directly within their apps and websites. The company offers a range of services, including end-to-end management of credit card programs, customizable rewards programs, and advanced fraud detection systems. Cardless provides both digital and physical card issuance, along with support for navigating regulatory compliance. Its product ecosystem features custom co-branded credit cards, virtual credit cards, and specialized cryptocurrency cards. Cardless partners with notable brands across various sectors, including travel, technology, and retail, to enhance their credit offerings.