Why did I earn fewer rewards than I expected?

In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) based on their line of business, or the type of products and/or services they primarily sell or provide. Cardless does not assign MCCs to merchants and has no control over this process. Even if you make purchases at a merchant that appears to fit in a Rewards category, the merchant may not have an assigned MCC in that Rewards category. Since we use the MCCs to classify your purchases and determine if they qualify for rewards, the MCC assignment may affect your rewards earning.

Why did I earn fewer rewards than I expected?

In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) based on their line of business, or the type of products and/or services they primarily sell or provide. Cardless does not assign MCCs to merchants and has no control over this process. Even if you make purchases at a merchant that appears to fit in a Rewards category, the merchant may not have an assigned MCC in that Rewards category. Since we use the MCCs to classify your purchases and determine if they qualify for rewards, the MCC assignment may affect your rewards earning.

Why did I earn fewer rewards than I expected?

In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) based on their line of business, or the type of products and/or services they primarily sell or provide. Cardless does not assign MCCs to merchants and has no control over this process. Even if you make purchases at a merchant that appears to fit in a Rewards category, the merchant may not have an assigned MCC in that Rewards category. Since we use the MCCs to classify your purchases and determine if they qualify for rewards, the MCC assignment may affect your rewards earning.

Why did I earn fewer rewards than I expected?

In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) based on their line of business, or the type of products and/or services they primarily sell or provide. Cardless does not assign MCCs to merchants and has no control over this process. Even if you make purchases at a merchant that appears to fit in a Rewards category, the merchant may not have an assigned MCC in that Rewards category. Since we use the MCCs to classify your purchases and determine if they qualify for rewards, the MCC assignment may affect your rewards earning.

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© 2024 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107


Cardless reserves the right to terminate or modify these offers at any time. For promotional purposes only. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.


Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.


Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.


© 2023 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval. Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.

Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.

Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.


© 2024 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107


Cardless reserves the right to terminate or modify these offers at any time. For promotional purposes only. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.


Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.


Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.


© 2024 Cardless, Inc., all rights reserved.

Issued by First Electronic Bank. Offers subject to credit approval.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107


Cardless reserves the right to terminate or modify these offers at any time. For promotional purposes only. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.


Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.


Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.