SHORTList
Cardless logo
Fintech/Payments

Cardless

Empowering brands with credit card solutions

San Francisco· 29 roles

CORE INFO

$218M
Total Funding
Series C
Round
2019
Founded
11-50
Team Size
San Francisco, California, United States
Headquarters

Cardless is a fintech company that enables consumer brands to launch and manage their own credit card programs, providing a platform that handles backend services like compliance and operations. This allows brands to integrate credit card offerings into their digital experiences, enhancing customer engagement and loyalty.

  • Cardless raised $60 million in a Series C funding round led by Spark Capital in September 2025.businesswire.com
  • The company has over one million cardholders as of February 2026.forbes.com
  • Cardless has partnered with notable brands such as Coinbase, Bilt, and Qatar Airways to launch co-branded credit card programs.nerdwallet.com

WHY WE WOULD WORK AT CARDLESS

Empowering Brands

Join a mission to empower consumer brands like Coinbase and Qatar Airways with innovative credit card solutions that enhance customer loyalty and engagement.

Rapid Growth

Be part of a fast-growing fintech company that has achieved over one million cardholders and reported revenue in the hundreds of millions since its founding in 2019.

Small, Dynamic Team

Work closely with a talented team of 11-50 employees, fostering collaboration and innovation in a startup environment that values every voice.

Competitive Compensation

Enjoy a compensation package that reflects the company's growth and success, backed by significant funding of $218 million from top investors.

Innovative Technology

Contribute to a cutting-edge platform that simplifies credit card program management, allowing brands to seamlessly integrate financial solutions into their digital experiences.

Industry Recognition

Join a company recognized in Forbes' 'Fintech 50 2026' list, showcasing Cardless's impact and leadership in transforming the credit card industry.

MARKET AND TRACTION

GROWTH TACTICS

  • Cardless has established partnerships with several prominent brands to launch co-branded credit card programs, enhancing brand engagement and loyalty.

  • The company reported a 5x increase in annual revenue over 12 months as of November 2024, indicating strong growth momentum in the fintech space.

  • Cardless continues to innovate by providing brands with tools for customized credit solutions, allowing them to integrate credit offerings seamlessly into their digital experiences.

    • KEY METRICS

    ✦ KEY METRIC
  • As of February 2026, Cardless has over one million cardholders, showcasing significant user adoption and market penetration.

  • The company claims gross revenue in the "hundreds of millions," reflecting its financial success and scalability in the market.

  • Cardless has raised a total of approximately $218 million in funding, indicating strong investor confidence and support for its business model.

    • NOTABLE CUSTOMERS

  • Cardless has partnered with Coinbase and Bilt to launch co-branded credit card programs, leveraging their brand recognition to attract users.

  • Other notable clients include Qatar Airways and Alibaba, which further establishes Cardless's reputation in the fintech industry.

  • The partnerships with these brands allow Cardless to tap into diverse customer bases across various sectors, including travel and e-commerce.

    • COMPETITIVE ADVANTAGE

  • Cardless empowers brands to launch and manage their own credit card programs without needing to become banks, providing a unique value proposition in the fintech landscape.

  • The comprehensive platform handles backend services such as compliance, funding, and operations, allowing brands to focus on customer experience.

  • This flexibility and control over the customer experience enhance brand loyalty and engagement, setting Cardless apart from traditional financial institutions.

    • MARKET POSITION

  • Founded in 2019, Cardless has quickly positioned itself as a leader in the co-branded credit card space within the fintech industry.

  • The company is headquartered in San Francisco, California, a hub for innovation and technology, which supports its growth and networking opportunities.

  • With a team size of approximately 11 to 50 employees, Cardless is agile and capable of rapid innovation in response to market demands.

    • PRODUCT AND TECH

    Credit Card Platform

    Cardless provides a comprehensive platform that enables consumer brands to launch and manage their own co-branded credit card programs, allowing them to enhance customer engagement and loyalty without needing to become banks.

    Backend Services

    The platform includes backend services such as compliance, funding, and operations, which streamline the integration of credit card offerings into existing digital experiences for brands.

    Modular Tools

    Cardless offers modular tools that allow brands to customize their credit card programs, providing flexibility and control over the customer experience within their own apps or websites.

    Partnership Ecosystem

    Cardless has established partnerships with prominent brands like Coinbase and Qatar Airways, enabling these companies to leverage Cardless's technology to enhance their financial service offerings.

    Fintech Innovation

    As a fintech company, Cardless continues to innovate in the credit card space, providing brands with the tools to create tailored credit solutions that drive revenue and customer loyalty.

    COMPANY CULTURE

    Values

  • Empowering brands to enhance customer engagement

  • Innovation in financial technology solutions

  • Commitment to seamless integration of credit offerings

  • Focus on customer experience and loyalty

  • Collaboration with prominent industry partners

    • Operating Principles

  • Flexibility in adapting to brand needs

  • Transparency in operations and compliance

  • Data-driven decision making

  • Continuous improvement of services and offerings

  • Building strong partnerships with clients

    • Benefits

  • Opportunity to work with leading consumer brands

  • Dynamic and innovative work environment

  • Potential for professional growth in fintech

  • Collaborative team culture

  • Competitive compensation and equity options

    • Learning & Growth

  • Encouragement of continuous learning and skill development

  • Access to industry-leading resources and tools

  • Opportunities for mentorship and collaboration

  • Regular team workshops and training sessions

  • Support for attending fintech conferences and events

    • Team Cadence

  • Agile team structure promoting quick decision-making

  • Regular team meetings to align on goals

  • Open communication channels for feedback and ideas

  • Emphasis on collaboration across departments

  • Flexible work hours to accommodate diverse schedules

    • COMPENSATION SNAPSHOT

    B
    Comp score vs cohort
    vs. Fintech/Payments · Series C · US
    Based on publicly available compensation ranges from job postings; exact compensation may vary.
    Engineering IC3n = 3
    $175K – $295Kmedian $235K
    Los Angeles / Bay Area
    G&An = 4
    $130K – $155Kmedian $143K
    Los Angeles / Bay Area
    Operationsn = 8
    $148K – $185Kmedian $166K
    Los Angeles / Bay Area
    Product ICn = 3
    $200K – $250Kmedian $225K
    Los Angeles / Bay Area
    US-only in v1 · only categories with n > 2 shown · in-person / hybrid / remote treated separately where n ≥ 3

    HIRING SIGNAL

    29
    Open roles on their careers page
    Snapshot via live ATS poll
    —
    Net new roles in the last 90 days
    Available once weekly history accrues
    90-Day VelocityV2 · BACKFILL
    Trend builds weekly as historical rows accrue
    By Function
    Breakdown of open roles
    Data · 1
    GTM · 1
    Design · 2
    G&A · 3
    Product · 3
    Support · 1
    Marketing · 4
    Operations · 8
    Engineering · 6
    Top Locations
    Where hiring is concentrated
    Remote-eligible postings counted separately
    San Francisco
    29
    SourcesGreenhouseLeverAshbyWorkableSmartRecruitersRipplingRecruiteeFallback · Wellfound, YC Work-at-a-Startup, careers-page scrape

    KEY COMPANY ANNOUNCEMENTS

    Filter
    13 announcements · ranked by importance
    Sep 22, 2025FUNDINGCardless Raises $60M Series C On Heels of Coinbase & Bilt Partnerships, Supercharging Effort to Transform the Credit Card Industrybusinesswire.com
    Sep 22, 2025FUNDINGCardless raises $60 million for branded financial servicesaxios.com
    Sep 22, 2025FUNDINGCardless Blog - Announcing our Series Ccardless.com
    Nov 26, 2024FUNDINGCardless Raises $30 Million in Latest Funding Round, Backed By Leading Fintech VCsprnewswire.com
    Jan 1, 2024INTERVIEW91: Michael Spelfogel, Co-Founder & President, Cardless | Taped Live at Money 20/20 2024 - DailyPaydailypay.com
    Jan 1, 2024INTERVIEWFintech and co-branding with Cardless co-founder Michael Spelfogel | Mintelmintel.com
    Jul 5, 2023INTERVIEWTrends in Credit Cards, Best Practices, and Outlook for the Fintech Space | Nasdaqnasdaq.com
    Jan 1, 2022FOUNDER PROFILECardlessforbes.com
    Feb 19, 2026AWARDCardless | Company Overview & Newsforbes.com
    Jan 1, 2025CUSTOMER WINThe Coinbase One Card - Cardless | Embedded Credit Card Platformcardless.com
    Dec 1, 2024FUNDINGINVESTMENT & FUNDINGeu-assets.contentstack.com
    Jan 1, 2023EXEC HIRECardless: Founder, Leadership & Teamwellfound.com
    Dec 1, 2021AWARDFrom Fintech’s Top Founders To Wall Street’s Best Dealmakers: 30 Under 30 Finance 2022forbes.com