Cardless

The embedded credit card platform

Sector

FinTech

Pear investment

Pre-seed

Current Stage

Series C

Headquarters

San Francisco, CA

Leadership

Michael Spelfogel, PresidentLink

Scott Kazmierowicz, CEOLink

Cardless

Cardless & Pear

Cardless gives brands and tech companies a way to launch custom, co-branded credit cards—building products that engage loyal customers, reward them meaningfully, and iterate at the speed of software. Their mission is to make credit more engaging, rewarding, and accessible.

We first met Michael and Scott in 2019, when they applied to PearX.

We believed in their vision to reinvent how brands connect with their most loyal customers, and we’ve supported them at every step since—helping them build an incredible team and close key partnerships with early customers. Today, their customers include Coinbase, Qatar Airways, and Alibaba.

“The magic of Pear is their intense focus on us as people and founders. They pushed us and gave us some hard-won advice along the journey.”

Scott Kazmierowicz

Co-founder & CEO, Cardless

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