# Cardless — user reviews > 73 indexed App Store user reviews of Cardless by Cardless, Inc., rated 4.90/5 from 8,592 ratings. - Source: https://appshunter.io/ios/app/cardless/id1532270655/reviews - App overview in markdown: https://appshunter.io/ios/app/cardless/id1532270655.md - Rating breakdown: 5★ 7,769 · 4★ 602 · 3★ 123 · 2★ 18 · 1★ 80 ## What do users think of Cardless? Overall sentiment: positive **Pros** - 👍 Simple and easy to navigate - 👍 Convenient and user-friendly - 👍 Excellent customer service - 👍 Secure payment method - 👍 Smooth and intuitive UI - 👍 Great mobile experience - 👍 Instant card approval **Cons** - 🐛 Account freezing issues - 🐛 Payment processing problems - 🐛 Declined transactions - 🔒 Security and privacy concerns with Plaid integration - 🔒 Lack of direct bank account integration **Commonly reported bugs** - Add to wallet feature not working - Login issues with Face ID on newer devices **Most requested features** - Connect with Qatar Airways loyalty program - Improve rewards program and redemption options ## Newest reviews (10 of 73) ### 3/5 — Payment *2026-05-28, version 6.0.22* You must link your bank account to the card. You can not have your bank send a payment or mail in a payment. Very limited options. ### 1/5 — Misleading terms *2026-01-08, version 6.0.19* Important information for those who want this card for the benefits with LATAM. I acquire this card a little under a year ago because my main travel spot is in Perú and LATAM flies directly over there. I’ve been accruing enough points to pay for a round trip and finally decided to book something. To my surprise when I tried to do the booking on the LATAM app; my card kept getting declined. I reached out to both LATAM and Cardless and got no definitive answer or help, they apologized and said the other end was the issue. So I was not able to book my flight and earn the promised extra miles to book with the Cardless card. I asked when booking with an alternative card if I was going to be able to still use my card benefits since it is a LATAM flight ether way, they said yes. However I just tried to use my courtesy segments and to my surprise IT DOES NOT MEAN you get a free upgrade as it is insinuated as apart of the benefits; all you get is a pass to bid on an upgrade; meaning you have to pay. I find this information to absolutely misleading to the customers and disgusting scamming practices; the information is not clear as to the limitation on the benefits. Is yet to be seeing if I can actually have access to the lounges as it was promised too when I signed up for this CC. I will be filling a report complaint to the Consumer Financial Protection Bureau and the Federal Trade Commission; As well as DOT for Latam. In summary; don’t get this card, is useless and there are better options to fly to Latin America and other CC that offer more and honest benefits. I also have the American Airlines CC and delta Amex and they’re very honest with what they offer and the customer service is much better and reachable. Specifically for Perú, delta has flights and they use LATAM Planes so is the same but you have the delta backup. Completely disappointed ### 1/5 — Lousy *2025-12-12, version 6.0.16* I tried numerous times to contact you cordless about my account. I've entered a debt management program and you refuse to acknowledge the company trying to get in touch with you. We've been making regular payments yet. You're refusing to speak with anybody even myself. Difficult even though I wanna pay once I get the card paid off I will never deal with this company again. ### 4/5 — Verification doesn’t work *2025-12-01, version 6.0.16* Initial set up was a bit frustrating. If I tried to set up account directly using the app, it was giving issues when confirming email sent. I got it to work by activating the account directly from the cardless webpage. Something to look into so new people won’t have same issue. ### 1/5 — Verify link never worked *2025-10-21, version 6.0.14* I received a verification link in my email but that couldn’t direct me to the app or browser. Still buffering. I have asked for verification link too many times. ### 1/5 — Awful Customer Service *2025-09-25, version 6.0.12* I just got the Avianca AMEX credit card through cardless and set up and confirmed autopay. The first payment arrived and autopay did not work correctly. I called up customer support and they said they knew they had a problem and would fix it and I could continue to use the card. Then I get emails saying I’m going to collections and they charge me interest and never resolve the problem. No one from cardless has responded with any updates via email or telephone. ### 1/5 — It’s a shame to them. I wanted to pay in full but I was unable to submit my payment . *2025-07-28, version 6.0.10* They did not inform me about anything until they send to collections. I tried to call them , Qatar customer services says we already send to collections and collections center says ..we don’t have any information about your account number. What I supposed to do ? I want to pay in full but no one is taking the money from me. Please don’t use those cards any never apply !! Without sending your bills they will damage your credits for nothing.Be careful They are cheating the customers showing the lollipop plus it will damage your credit for the small amount of money. In future I and my family never ever use Qatar airways !! ### 1/5 — Muy mala aplicación *2025-07-24, version 6.0.10* No la recomendaría, poco uso, poco intuitiva ### 1/5 — Issue with creating account *2025-06-20, version 6.0.9* When I get the code to open an account it gives me an error. Very frustrating. ### 1/5 — Extremely Frustrated - Ongoing Issue Not Resolved for 3 Months.. *2025-06-16, version 6.0.9* It has now been almost 3 months since I first reported my issue — I am still unable to purchase gift cards through either your app or website. Despite multiple complaints raised via phone calls and emails, I have received no resolution whatsoever.Every time, I am told “we are looking into it” or “it has been escalated.” Unfortunately, nothing seems to progress beyond that. I am not sure if I’m the only one facing this issue, but the lack of support and follow-up is unacceptable.If I had the option, I would give your service a “zero” star rating for such poor customer support and complete lack of urgency in resolving customer issues. Extremely disappointing experience with Cardless so far ## Most critical reviews (10 lowest-rated) ### 1/5 — What’s wrong with this *2026-07-31, version 6.1.0* App is broken , used to work just fine , now I log in and it just sits on the careless background , nothing loads. Been like that for 3 days now. Have downloaded and reinstall , still nothing … ### 1/5 — Terrible and Pointless *2026-05-21, version 6.0.21* Buggy, mostly just creates more hoops to jump through to do what you want. ### 1/5 — Log in error *2026-04-07, version 6.0.19* lol I see that many people have this issue in the reviews and still hasn’t been solved. Trying to create an account and everytime I put in the code that was sent to my phone number it states “something went wrong, please try again” First impressions is that this app doesn’t work ### 1/5 — Horrible customer service and product experience *2026-04-02, version 6.0.19* After using the card for more than a week my account was frozen as they declined a transaction at PriceMart in Central America, where I had been using the card for two weeks already. When I called I was offered no explanation, the associate refused to call a supervisor, and told me he didn’t care to escalate. Horrible experience and trash customer service. Stay away. ### 1/5 — Does Not Work *2026-03-19, version 6.0.19* After 1.5 months with BILT 2.0 serviced by Cardless, I still cannot log in through this app. Constantly receive - couldn’t load information. Please try again. I’ll update this if/when this issue gets resolved. ### 1/5 — Bonus tracker stuck *2026-03-12, version 6.0.19* I recently signed up for the Qatar airways visa infinite credit card. Signup bonus is 6k spend in 90 days for total of 100k points. My bonus tracker is stuck on 5810 dollars. No matter how much I spend it doesn’t move. I called Cardless three times. Always telling me we escalated the issue and working on it. My 90 days is about to end in a week no solution in sight. I am pretty sure they will say o sorry you didn’t meet the spend requirement after 90 days. I think cardless on some shady business practices. I am about to report them to FTC and business bureau. ### 1/5 — I can’t even sign up. *2026-03-07, version 6.0.19* When it asks for my security code sent to my mobile phone, I put it in and it says error. Ive retried 4 times. First two times manually typed the code text to me, last two times let my iPhone auto enter it after tapping the pop up code once received. It still says “something went wrong, please try again”. How does it have 5 stars? I have the latest version of apple software, so it’s all up to date, my app is updated. I quit and hard closed the app after the first two times for a reset and still I keep getting that message. Great concept however, the app doesn’t even work. And yes I do have an iPhone 16 pro max. There should be no reason for it not to work. ### 1/5 — Cardlesd *2026-02-23, version 6.0.19* Got a $100 statement credit for using Cardless to but a Qatar airlines ticket only to be billed $100 for membership fee on Cardless ### 1/5 — Lack of options and settings *2026-02-23, version 6.0.19* The app is ok to pay bills and see your last transactions but it lacks more features such as downloading previous statements, check your points, etc ### 1/5 — Phone Number Error *2026-02-07, version 6.0.19* I am unable to create my account for Bilt because it requires my phone number. It displays an error when writing my phone number and does not let me through. When that is fixed, I will be happy to increase my rating. ## Most praised reviews (10 highest-rated) ### 5/5 — Love this app! *2026-06-18, version 6.0.22* Love this app! It’s user-friendly, reliable, and makes managing my card and rewards very easy. Highly recommend Cardless ### 5/5 — Really good for LATAM Airlines *2026-05-17, version 6.0.21* Working from the first second… Just 5 minutes to complete the data! Amazing! ### 5/5 — Love it *2026-05-04, version 6.0.20* Simple to use , makes life easy ### 5/5 — Excellent *2026-04-24, version 6.0.20* Excellent and very easy to use ### 5/5 — Ease of Payment *2026-04-19, version 6.0.19* After the initial setup, which might take a few minutes, it really facilitates future payments, helping to avoid all those annoying hoops and hurdles we have to do these days for security reasons. ### 5/5 — Wish other cards had an app this good *2026-04-05, version 6.0.19* Clear, concise and to the point. ### 5/5 — Great service *2026-03-15, version 6.0.19* I’m very satisfied with the app. It was simple to use and made it easy for me to pay on time. ### 5/5 — Excellent *2025-11-26, version 6.0.16* This is an excellent & easy to use app. ### 5/5 — Easy to use *2025-09-02, version 6.0.11* I love cardless app, user friendly, I can see the miles I am earning, how much I spent. Easy & efficient ### 5/5 — Simple and efficient *2025-08-07, version 6.0.10* I really like this app - well designed & quick, the one thing it’s missing is being able to download transactions into Quicken. The CSV file conversion doesn’t work. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*