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Cardless removes one card per lifetime limit
Cardless is an oddly-named FinTech company that’s been issuing credit cards for a few years now. It originally began by doing co-branded cards with ever Tom, Dick and Harry professional sports team around the world. After finding out that this wasn’t a terribly profitable business model, it decided to start going after the travel rewards […] The post Cardless removes one card per lifetime limit appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.
Cardless is an oddly-named FinTech company that’s been issuing credit cards for a few years now. It originally began by doing co-branded cards with ever Tom, Dick and Harry professional sports team around the world. After finding out that this wasn’t a terribly profitable business model, it decided to start going after the travel rewards leftovers from the big issuers, and now is the home for co-branded cards with Avianca LifeMiles, Qatar Privilege Club, TAP Air Portugal, and LATAM, among others.
Once it started dipping its toes(less?) into travel rewards cards, it instituted one of the most draconian anti-churning rules that we’ve ever come across: each consumer was limited to get one Cardless card…..for life.
Since Cardless originally published those terms, we’ve theorized that it couldn’t be forever. Feathers were going to be ruffled if you told Qatar that there were people who couldn’t get one of their cards because they’d already had an Avianca card (or vice versa).
It appears that time has come, as Travel on Points has noticed that Cardless is now open for multi-card business.
Quick Thoughts
There are some additional rules that Cardless customer service told Travel on Points about, which we’ve added to our complete guide to credit card application rules by bank:
- The application must be 60 days after your most recent Cardeless card approval.
- The application must be 45 days after a recent Cardless card decline.
- You can only have one Cardless card per brand.
- You cannot already have the same card.
It’s unclear exactly how many Cardless cards you can have at one time, but it’s no longer one. We’ll be digging into this more over the next couple of weeks, but it’s great to hear that the once-in-a-lifetime rule is dead, both for our sakes and for the ongoing viability of Cardless.
Current Cardless Cards
| Card Offer and Details |
|---|
 ⓘ $367 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 40K bonus miles after $3K in first 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: (Expired 1/25) Earn 50K bonus miles after $3K in first 90 days FM Mini Review: This card could be worthwhile for those who fly Avianca enough to take advantage of Silver Elite benefits but not enough to earn that status. However, it isn't a great way to earn Avianca Lifemiles long-term. Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else Card Info: Amex issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Avianca Silver elite status |
 ⓘ $871 1st Yr Value EstimateClick to learn about first year value estimates Up to 100K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Up to 100K miles: Earn 20K bonus miles after one purchase + 80K miles after $10K total spend in first 180 days$249 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: (Expired 1/23/25) Up to 120K miles: Earn 80K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months FM Mini Review: If you were already interested in a LifeMiles+ subscription, this card might be appealing since it only costs $9 more than the cost of 12 months of the "Lite" subscription (or you can enjoy the same annual $240 in value toward higher subscription levels with a $20 monthly discount). It could be worth getting the card for the Silver Elite benefits if you would have considered buying a LifeMiles+ subscription anyway. However, for ongoing spend, it is less compelling given the fact that many transferable currency cards offer superior return on spend. Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else Card Info: Amex issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Avianca Silver elite status |
 ⓘ $65 1st Yr Value EstimateClick to learn about first year value estimates 15K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 15K miles after $1,000 spend within the first three monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios Earning rate: 3x LATAM ✦ 2x dining, rideshare and public transit ✦ 1x everywhere else Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: 10% of mile earnings qualify toward elite status |
 ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K miles after $2,500 spend within the first three months$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Even with no annual fee, this card has little appeal due to the low value of LATAM Pass points. Earning rate: 4x LATAM ✦ 3x dining, rideshare and public transit ✦ 1x everywhere else Card Info: Mastercard World Elite issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: 20% of mile earnings qualify towards elite status Noteworthy perks: 2 courtesy upgrades/year (one within South America, one outside) ✦ 2 lounge passes/year |
 ⓘ $481 1st Yr Value EstimateClick to learn about first year value estimates Up to 100K Avios + 150 Qpoints Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K Avios after first transaction, then an additional 75K and 150 Qpoints after $6,000 spend within the first 90 days (Offer Expires 6/16/2025)$499 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None, this is the best that we've seen FM Mini Review: Getting complimentary oneworld Sapphire for one year could be appealing for folks who value the Admiral's Club access. Beyond that, the card's steep annual fee will probably make this most appealing for those who actually fly Qatar regularly, especially now that there's the reward fee rebate Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else Card Info: Visa Infinite issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 1,500 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Gold/oneworld Sapphire status for one year (includes access to domestic AA Admirals Clubs and Alaska Lounges) ✦ Global Entry/TSA Precheck credit ✦ Travel accident insurance ✦ Trip cancellation reimbursement ✦ Trip delay reimbursement |
 ⓘ $601 1st Yr Value EstimateClick to learn about first year value estimates Up to 70K Avios Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K Avios after first transaction, then an additional 50K after $3,500 spend within the first 90 days (Offer Expires 6/16/2025)$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None, this is the best that we've seen FM Mini Review: Only for hardened LATAM loyalists, this card has little appeal due to the low value of LATAM Pass points. Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else Card Info: Visa Signature issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 2,000 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Silver/oneworld Ruby status for one year |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Bonus Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Points are worth $0.01 each toward a statement credi Earning rate: 5% back at at every store at every Simon Mall, Mills, or Premium Outlet in the U.S. Use your card 5 times each statement period to earn Rewards. ✦ 1% back on all other purchases. Base: 1% Shop: 5% Brand: 5% Card Info: Amex issued by FEB. This card has no foreign currency conversion fees. |
 ⓘ $354 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 40K bonus miles after $2,500 spend in first 90 days$79 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: (Expired 1/10/25) Earn 50K bonus miles + 10K status miles after $2.5K in first 90 days FM Mini Review: The two free checked bags per year and two lounge passes could justify the annual fee, but this card isn't a clear win for most people. Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else Card Info: Amex issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 status mile for every 5 miles earned from spend up to 10,000 status miles from 50,000 miles earned from spend (excludes miles earned from the welcome bonus). Noteworthy perks: Preferred boarding ✦ 2 lounge passes per year to TAP lounge at Lisbon Airport ✦ Free extra checked bag twice per year ✦ 1 status mile per 5 miles earned from spend up to 10K status miles per annual qualification period |
The post Cardless removes one card per lifetime limit appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.
