Cardless Boston Celtics Credit Card Review

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Full review

Cardless Boston Celtics Credit Card

7% cash back on streaming and rideshare, 4% cash back on dining; no annual fee!

  • Welcome bonus: 30,000 points (spend $2,500 within 90 days of account opening)
  • Rewards: 7x on Celtics tickets, rideshare, and streaming; 4x on dining; 2x on supermarkets and drugstores; 1x on all other purchases
  • Redemption: 1:1 cash back redemption; 1:1.25 for gift card redemptions
  • Annual fee: $0
  • Apply now>>

Benefits

  • 10% discount on online purchases at the Celtics official website
  • Points can be redeemed for gift cards at 1.25c/p: Brand gift cards; it is not yet clear what they are useful for
  • No foreign transaction fee, making it especially suitable to keep long term while living outside the US
  • You can start spending with a virtual card number immediately after approval

Drawbacks

  • Cardless is a relatively new bank, so its benefits and welcome bonus may not be very stable
  • Approval can be relatively difficult, and approved credit limits are not very high

About Cardless

Cardless, Inc. is a credit card company based in San Francisco, California. Cardless was founded in 2019 by Stanford graduates Michael Spelfogel and Scott Kazmeierowicz, and it is at the forefront of co-branded credit card product development. Cardless has raised $50 million in equity financing from investors including Activant Capital, Greycroft, Accomplice, Pear VC, the Boston Celtics, the Phoenix Suns, as well as Plaid, Bonobos, Flatiron Health, and 100 Thieves.

It currently also has some other co-branded credit cards:

My Take

If you can look past the fact that the issuer is a newer credit card company, this card is actually quite worth considering. For a no-annual-fee card with no foreign transaction fee, a $300-$375 welcome bonus is already pretty solid. On top of that, the card offers 7x and 4x on dining, making it a good long-term keeper for dining, rideshare, and streaming subscriptions. The company has just raised funding, so it should be well capitalized in the short term.

Application

  • There are not many DPs on this card yet, but other Cardless cards (such as the Cavaliers card) seem to be fairly easy to get approved for
  • The application only requires the last four digits of your SSN, and the pull is EX

Application Link