Cardless
A San Francisco fintech that builds cobrand cards for partners the big banks ignore, issuing through First Electronic Bank. Its stable includes Qatar Airways, LATAM, Avianca LifeMiles, TAP Air Portugal and the Coinbase card, often on the Amex network with app-first servicing.
Application Rules
- ▸Applications run through the Cardless app or partner sites with instant digital card issuance
- ▸Underwriting by First Electronic Bank; approvals reported friendlier than legacy banks but credit lines start small
- ▸One welcome bonus per partner program; holding multiple Cardless cards across partners is allowed
Tracked Cardless Cards
Avios earning plus a year of Qatar Silver status for under a hundred bucks.
40,000 pts bonus (≈$520)AF: $99Rating: 7.2/10
The only US card earning LATAM Pass miles, with upgrades baked in.
40,000 pts bonus (≈$400)AF: $99Rating: 6.8/10
LifeMiles are a Star Alliance cheat code, and this card feeds them directly.
40,000 pts bonus (≈$540)AF: $99Rating: 7.0/10
Lisbon lounge passes and free bags for Portugal regulars.
40,000 pts bonus (≈$440)AF: $79Rating: 6.6/10
Coinbase One CardCardless
Up to 4% back on everything, paid in bitcoin, on the Amex network.
Special bonusAF: $0Rating: 7.5/10