Cardless is a fintech company that specializes in developing credit card platforms for brands across various sectors, including sports, travel, and retail. The firm offers rapid launch capabilities, embedded technology, and comprehensive program support for loyalty and rewards credit cards on both Mastercard and American Express networks.

Founded in 2019 by Michael Spelfogel and Scott Kazmierowicz, Cardless has gained backing from notable venture capital firms such as Accomplice, Greycroft, and Pear Ventures. The company's platform enables brands to launch integrated credit cards within weeks, providing enhanced customer engagement, increased spending, and valuable data insights. Cardless has partnered with prominent brands like TAP Air Portugal to create tailored credit card solutions.