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My Favorite Guilty Pleasure Has Been Neutered: Say It Ain’t So Cardless!

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Cardless Changes Earning Structure

Cardless Changes Earning Structure

I have professed my love of Cardless a few times now, I mean it did make me $1600 when it was all said and done. I even got Benjy on the bandwagon, that is saying something right there. Then news came out that Cardless was moving to Amex‘s network which was interesting for a few reasons.

Around that same time things started going downhill though. The referral bonus & welcome offer dropped from $300 to $50. And, now, Doctor of Credit is reporting that the fun & quirky bonus spend categories are no more. Goodbye 7% back on rideshare and streaming, or 4% back on gas. Even Benjy’s favorite, 5% at restaurants on Manchester match days, has been nuked.

These were unique to Cardless and better than you would see elsewhere. I even kind of enjoyed the funkiness of some of them like requiring it to be a game day etc. Well, it appears the offers were too good to be true.

Going forward the Cardless cards will earn 3% on dining plus the increased rates for team tickets and merch will stay around. That is okay but I don’t even recognize the thing I once loved so much.

Cardless Changes Earning Structure

There Is Some Good News For Early Adopters

There is some good news, however. If you listened to me and Benjy months ago, and got on this train while the getting was good, it appears we are grandfathered in to the old earn rates. For the time being at least. Who knows if that will change once we are outside of our first 12 months of card membership, a timeframe that is always tricky legal wise.  Maybe it changes once they are on Amex’s network?

I have to think the change over to Amex plays a role here. Maybe the cost is higher with Amex in these areas, or maybe it was simply just too lucrative for a no fee card. I’ll still be taking advantage of my 4% back at Speedway while I can though!

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Mark Ostermann
Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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