Two No-Annual Fee Cards Offering 100,000 Points / Up To 10% Back For A Year

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New rewards credit card company Cardless has some strong new products, including one of the best no annual fee cards in the market. And now may be the best time to get two of their cards, because of a new offer that lets you earn up to 100,000 bonus points in your first year – indeed this amounts to earning up to 10% back on your spending for a year.

The offer for both the Manchester United Credit Card and the Cleveland Cavaliers Credit Card is that they’ll double the points you earn in the first year up to 100,000 bonus points.

To qualify you need to,

  • Make at least one transaction in each of your first 12 statement cycles
  • Have account be in good standing (No defaults or late payments)
  • Then they match the points you earn after your cardholder anniversary up to 100,000 points

The points matching even doubles category bonus earning, so where you’d normally earn 5x you earn 10x, and where you’d normally earn 3x you earn 6x. If you max out the offer in a 5x category, that amounts to a 10% return on spend which is incredible. Even standard 1X earning becomes 2% cash back on everything else – which is about as good as it gets for no-annual fee cards.

The Two Cards With 100,000 Point Spend Offers

Cardless currently offers 3 different rewards products, and the offer is available on two of them. I was going to be kicking myself if it was available for the Miami Marlins Credit Card since that’s the one I got without this offer attached.

It’s available, instead, on:

  • Manchester United Credit Card (Review)

    • Standard Earning: 5x on rideshare; 5x on streaming services (Netflix, Spotify, Apple Music, Hulu “and similar digital streaming services”); 5x at bars and restaurants on days that the team plays; 1x on everything else

    • Statement credit: Each month you spend $500 on the card you earn a statement credit for reimbursement of charges for NBC Universal’s Peacock Premium service up to $5.00 for the coming month.

    As a result, under this offer, the Manchester United Credit Card can be used to earn 10% back for a year on rideshare, streaming services, and at bars and restaurants on game days.

  • Cleveland Cavaliers Credit Card

    • Standard Earning: 5x on Cavs season tickets and on streaming services; 3x on other Cavs tickets, dining, grocery and delivery; 1x on everything else

    • Experiential redemptions: such as “meeting your favorite players, team-signed balls and jerseys, or even being an honorary benchwarmer”

    As a result, under this offer, the Cleveland Cavaliers Credit Card can be used to earn 6% back for a year on dining, grocery and delivery (not to mention the return actually spending with the Cavs).

Getting Approved For One Of These Cards

Cardless issues Mastercards that are available immediately on approval. You don’t wait for a physical card in the mail. If you lose your card, you don’t have to replace it and update all of the accounts (like Uber and Lyft) where your card is the default payment choice – because they don’t print account numbers on the card, when was the last time your card was run through an imprint machine that needed numbers on it?

Until July their products were only available for users in the Apple ecosystem, but Android has since launched, too. And Cardless products are great for actually getting approved.

  1. Cardless has built their own customer underwriting approval algorithm from scratch so they can outperform other issuers on approvals.

  2. Instead of funding transactions themselves, like a bank that issues cards generally does, they rely on external lending partners to cater to a broader customer base.

I’d give them a shot even if you aren’t getting approved for traditional rewards cards.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.



  1. Can we mark these kinds of posts as paid advertisements? It would save everyone a lot of time.

  2. Sorry if I missed it in the article, but are the points transferable to partners? (airlines, hotels, other credit card issuers like Amex, Chase, etc.)

  3. Warning: you can only pay my your Cardless bill by providing your financial institutions password and credentials. They do not accept ACH bank to bank transfers or even checks. The business model seeks your bank password and says trust this third party. I got the Manchester card based on your recommendation and it has been a bad experience. Don’t recommend Cardless without a major disclaimer! I get monthly emails that I am late even though I sent a check to the Address on the statement.

  4. Does this deal work for those cards if you already have them? I got the Manchester United one back in June. Already got the 50k points for $3k spend.

  5. The limited choice of redemption options suck. Unless you’re a superfan of the teams and want to go for those aspirational awards like throwing out a Marlins pitch, sitting on the Cavs bench, etc, then they’re just decent cash back cards.

    Now Premier League plays mostly on weekends so that’s a great time to go for 10x spend at restaurants. That much I’ll grant. Overall, I’m not moved to apply even though I can now do so over Android.

  6. Unless things have changed sinnce the cards rolled out, you can only have one of their products and auto-deny for the rest. Happened to me when got the Man U 50k and then tried for Cavs 100k. Agent at the time said multiple products was a customer feedback they were considering.

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