Cardless
Cardless provides white-label credit card programs for brands, with clients including Coinbase and Qatar Airways. The 80-person company has raised $225M, including a Series C in 2025.
The growth story
Cardless grew from 29 to 80 employees between 2021 and 2026, raising $225M along the way, most recently a Series C in September 2025.
About
Cardless builds credit card programs that other companies can offer under their own brand. Its platform handles the full credit lifecycle, from application to payments, for clients in fintech, travel and e-commerce.
The company has raised $225M, with backers including Amex Ventures and Activant Capital. Its Series C in 2025 suggests continued investor confidence despite no disclosed headcount growth.
Founders and leadership
Engineering is the largest function with 10 employees. The company has a median tenure of 2 years, typical for a fintech startup of its stage.
The Cardless org chart
Scott Kazmierowicz (Co-Founder & CEO) leads 27 mapped leaders with 7 direct reports. Click +N to expand a team; names link to the person’s public profile.
Departments, and which ones grew
Headcount by function: Engineering 15 (+275% YoY), Finance 11 (+22% YoY), Legal 8 (+60% YoY), Entrepreneurship 7 (0% YoY), Operations 7 (+133% YoY), Business Development 7 (+40% YoY).
Talent flow
Cardless recruits heavily from fintech firms like Upgrade, Visa and Stripe, with 3 hires each from those companies. Alumni frequently move to other fintech startups including Imprint and Rippling.
Most common previous employers of Cardless staff: Upgrade (4), Google (3), Visa (3), Cash App (3), Stripe (3), Capital One (3). Former Cardless employees most often moved to Uber (2), Rippling (2), Tolan (2), Imprint (2), Headway (2), ŌURA (1).
Alumni worth knowing
The Cardless mafia
Four alumni have founded companies, including Folio (39 employees) and RepCX (4 employees).
4Chris Rasch, was Director, Customer Experience until 2022Zach Furman, was Executive Shadow until 2025Hiring now
Web traffic
Traffic mix: 54% direct, 28% search, 2% social, 0% paid.
What this company is made of
Most common skills at Cardless: Microsoft Excel (30), Leadership (29), Microsoft Office (26), Customer Service (26), Public Speaking (24), Microsoft PowerPoint (21), Research Skills (21), Management (21).
Where the team actually sits
Cardless people are concentrated in California, United States (39), San Francisco Bay Area (11), United States (2), Virginia, United States (1).
Search footprint
Cardless attracts about 1,637 organic search visits a month, traffic worth roughly $23K a month if bought through ads. It gained 374 ranking keywords and lost 246 in the last period.
What employees say
- Compensation
- 3.40 / 5
- Career opportunities
- 2.90 / 5
- Senior management
- 3.00 / 5
- Work-life balance
- 3.00 / 5
Frequently asked
Cardless has 80 employees as of September 2026.
Cardless has raised $225M in total, most recently a Series C round in September 2025.
Cardless was founded in 2019 by Michael Spelfogel, Scott Kazmierowicz.
Scott Kazmierowicz (Co-Founder & CEO) sits at the top of Cardless's reporting structure, with 7 direct reports.
The most common previous employers of current Cardless staff are Upgrade (4 people), Google (3 people), Visa (3 people).
Former Cardless employees most often move to Uber (2), Rippling (2), Tolan (2).
At least 4 companies have a founder who previously worked at Cardless, including Folio, RepCX, Blueberry.
Cardless attracts about 1,637 organic search visits a month, worth roughly $23K a month in equivalent ad spend.
The most common skills among Cardless staff are Microsoft Excel, Leadership, Microsoft Office, Customer Service, Public Speaking.
Cardless staff are concentrated in California, United States (39), San Francisco Bay Area (11), United States (2).
Cardless has about 15 people in Engineering, up 275% over the past year, as of September 2026.
Cardless has about 11 people in Finance, up 22% over the past year, as of September 2026.
Computed from 55 current and 75 former Cardless profiles, as of September 2026. Source: Crustdata.
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