Build your own Credit Card

Leveraging co-branded Credit Cards to drive marketing priorities

Leveraging modern technology to drive awareness and spend

Cardless’s modern platform enables brands to choose from various enhanced reward structures such as travel rewards, statement credits, or points in the brand’s loyalty program. While traditional offerings are usually blunt with rewards (e.g., 3 points per dollar at gas stations), Cardless can accommodate more complex rewards structures, such as our Simon Malls American Express card, with its unique experiences for Simon customers.

Brands can also incorporate card-linked offers in the card to personalize savings and rewards on an individual user basis. Consumers are looking for personalized offers: sixty-four percent of US adults ages 18–65 want to receive personalized offers based on past purchases from loyalty programs, according to a study by Merkle published in March 2021. With a co-brand card, brands can extend individual offers to users that cannot be shared and allow for full omnichannel redemption.

Cardless is a digital-first company, and its platform includes instant issuance (upon approval) of digital cards for cardholders. The digital card can be added to a mobile payment app like Google Pay or Apple Pay. Thanks to the experience, retail brands can create a compelling point-of-sale opportunity for customers to learn about a card, apply on their phone, and receive a virtual card to use, all in the same shopping trip.

“We started Cardless to ensure that brands of all sizes can build co-brand products that not only compete with but out-innovate the offerings from traditional issues,” said Michael Spelfogel, President and Co-Founder at Cardless.

Building a co-branded credit card is an important way for brands to drive increased consumer spending, extend loyalty, enhance brand exposure, and create a competitive advantage. Cardless makes it easy for brands to build this experience and capability in months instead of years and trust in a modern partner to drive a unique experience.

Build your own Credit Card

Unlock endless possibilities with our powerful platform to create a program that fits your needs.

Build your own Credit Card

Leveraging co-branded Credit Cards to drive marketing priorities

Leveraging modern technology to drive awareness and spend

Cardless’s modern platform enables brands to choose from various enhanced reward structures such as travel rewards, statement credits, or points in the brand’s loyalty program. While traditional offerings are usually blunt with rewards (e.g., 3 points per dollar at gas stations), Cardless can accommodate more complex rewards structures, such as our Simon Malls American Express card, with its unique experiences for Simon customers.

Brands can also incorporate card-linked offers in the card to personalize savings and rewards on an individual user basis. Consumers are looking for personalized offers: sixty-four percent of US adults ages 18–65 want to receive personalized offers based on past purchases from loyalty programs, according to a study by Merkle published in March 2021. With a co-brand card, brands can extend individual offers to users that cannot be shared and allow for full omnichannel redemption.

Cardless is a digital-first company, and its platform includes instant issuance (upon approval) of digital cards for cardholders. The digital card can be added to a mobile payment app like Google Pay or Apple Pay. Thanks to the experience, retail brands can create a compelling point-of-sale opportunity for customers to learn about a card, apply on their phone, and receive a virtual card to use, all in the same shopping trip.

“We started Cardless to ensure that brands of all sizes can build co-brand products that not only compete with but out-innovate the offerings from traditional issues,” said Michael Spelfogel, President and Co-Founder at Cardless.

Building a co-branded credit card is an important way for brands to drive increased consumer spending, extend loyalty, enhance brand exposure, and create a competitive advantage. Cardless makes it easy for brands to build this experience and capability in months instead of years and trust in a modern partner to drive a unique experience.

Build your own Credit Card

Unlock endless possibilities with our powerful platform to create a program that fits your needs.

Build your own Credit Card

Leveraging co-branded Credit Cards to drive marketing priorities

Leveraging modern technology to drive awareness and spend

Cardless’s modern platform enables brands to choose from various enhanced reward structures such as travel rewards, statement credits, or points in the brand’s loyalty program. While traditional offerings are usually blunt with rewards (e.g., 3 points per dollar at gas stations), Cardless can accommodate more complex rewards structures, such as our Simon Malls American Express card, with its unique experiences for Simon customers.

Brands can also incorporate card-linked offers in the card to personalize savings and rewards on an individual user basis. Consumers are looking for personalized offers: sixty-four percent of US adults ages 18–65 want to receive personalized offers based on past purchases from loyalty programs, according to a study by Merkle published in March 2021. With a co-brand card, brands can extend individual offers to users that cannot be shared and allow for full omnichannel redemption.

Cardless is a digital-first company, and its platform includes instant issuance (upon approval) of digital cards for cardholders. The digital card can be added to a mobile payment app like Google Pay or Apple Pay. Thanks to the experience, retail brands can create a compelling point-of-sale opportunity for customers to learn about a card, apply on their phone, and receive a virtual card to use, all in the same shopping trip.

“We started Cardless to ensure that brands of all sizes can build co-brand products that not only compete with but out-innovate the offerings from traditional issues,” said Michael Spelfogel, President and Co-Founder at Cardless.

Building a co-branded credit card is an important way for brands to drive increased consumer spending, extend loyalty, enhance brand exposure, and create a competitive advantage. Cardless makes it easy for brands to build this experience and capability in months instead of years and trust in a modern partner to drive a unique experience.

Build your own Credit Card

Unlock endless possibilities with our powerful platform to create a program that fits your needs.

Build your own Credit Card

Leveraging co-branded Credit Cards to drive marketing priorities

Leveraging modern technology to drive awareness and spend

Cardless’s modern platform enables brands to choose from various enhanced reward structures such as travel rewards, statement credits, or points in the brand’s loyalty program. While traditional offerings are usually blunt with rewards (e.g., 3 points per dollar at gas stations), Cardless can accommodate more complex rewards structures, such as our Simon Malls American Express card, with its unique experiences for Simon customers.

Brands can also incorporate card-linked offers in the card to personalize savings and rewards on an individual user basis. Consumers are looking for personalized offers: sixty-four percent of US adults ages 18–65 want to receive personalized offers based on past purchases from loyalty programs, according to a study by Merkle published in March 2021. With a co-brand card, brands can extend individual offers to users that cannot be shared and allow for full omnichannel redemption.

Cardless is a digital-first company, and its platform includes instant issuance (upon approval) of digital cards for cardholders. The digital card can be added to a mobile payment app like Google Pay or Apple Pay. Thanks to the experience, retail brands can create a compelling point-of-sale opportunity for customers to learn about a card, apply on their phone, and receive a virtual card to use, all in the same shopping trip.

“We started Cardless to ensure that brands of all sizes can build co-brand products that not only compete with but out-innovate the offerings from traditional issues,” said Michael Spelfogel, President and Co-Founder at Cardless.

Building a co-branded credit card is an important way for brands to drive increased consumer spending, extend loyalty, enhance brand exposure, and create a competitive advantage. Cardless makes it easy for brands to build this experience and capability in months instead of years and trust in a modern partner to drive a unique experience.

Build your own Credit Card

Unlock endless possibilities with our powerful platform to create a program that fits your needs.

Build your own Credit Card

A co-branded credit card makes your brand "top of wallet" for your customers. Cardless makes it easy to build your own credit card in months instead of years.

Build your own Credit Card

Unlock endless possibilities with our powerful platform to create a program that fits your needs.

Cards issued by First Electronic Bank, Member FDIC, and powered by Cardless. 

Simon Credit Card: Rewards redeemable as statement credits only & require spend with a Simon Credit Card. There is a $10,000 annual aggregate spend maximum for 5% & 3% categories. 5% back at participating Simon retailers at Simon properties & online. 3% back only valid in-person at participating Simon properties. 1.5% back valid for in-person Apple Pay & Google Pay Eligible Purchases only and 1% back valid on all other Eligible Purchases with your Simon Card. Offers subject to change with or without notice. See cardless.com/simon for full details. 

Unless a specific brand partner (noted in the footer of this website), no brands or products mentioned are affiliated with Cardless, nor do they endorse or sponsor this article. All third-party trademarks referenced herein are property of their respective owners.

2023_0018

© 2024 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107


Cardless reserves the right to terminate or modify these offers at any time. For promotional purposes only. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.


Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.


Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.

Unless a specific brand partner (noted in the footer of this website), no brands or products mentioned are affiliated with Cardless, nor do they endorse or sponsor this article. All third-party trademarks referenced herein are property of their respective owners.

© 2024 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107


Cardless reserves the right to terminate or modify these offers at any time. For promotional purposes only. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.


Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.


Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.

Unless a specific brand partner (noted in the footer of this website), no brands or products mentioned are affiliated with Cardless, nor do they endorse or sponsor this article. All third-party trademarks referenced herein are property of their respective owners.

© 2024 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107


Cardless reserves the right to terminate or modify these offers at any time. For promotional purposes only. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.


Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.


Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.

Unless a specific brand partner (noted in the footer of this website), no brands or products mentioned are affiliated with Cardless, nor do they endorse or sponsor this article. All third-party trademarks referenced herein are property of their respective owners.

© 2023 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval. Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.

Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.

Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.

Unless a specific brand partner (noted in the footer of this website), no brands or products mentioned are affiliated with Cardless, nor do they endorse or sponsor this article. All third-party trademarks referenced herein are property of their respective owners.