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Michael Spelfogel co-founded Cardless and serves as president, building co-branded credit-card infrastructure for brands. He brings a background in Lyft data science, Visa commercial cards and airline loyalty consulting, connecting product engineering with payments and rewards.

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Michael Spelfogel co-founded Cardless and serves as president, building co-branded credit-card infrastructure for brands. He brings a background in Lyft data science, Visa commercial cards and airline loyalty consulting, connecting product engineering with payments and rewards.

Career

Michael Spelfogel studied at Stanford University (BASc, Management Science & Engineering) and Peking University.

Independent Board Member and Advisor at Split Pay from 2026-03 to Present
Founder and President at Cardless from 2019-03 to PresentBuilds co-branded credit-card infrastructure that lets brands launch and manage their own card programs.
Data Scientist at Lyft from 2018 to 2019Worked on the Mapping and Marketplace team, building models for traffic, arrival times, location accuracy and ride matching.
Commercial Card Management at Visa from 2017 to 2018Identified commercial-card opportunities in middle-market B2B spending and contributed to Visa B2B Connect.
Loyalty and Credit Card Consultant at The Points Guy from 2015 to 2017Advised airlines, banks and hotels on loyalty programs and helped develop airline-pricing algorithms.
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How to Make a Credit Card

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Media appearance

The Future of Co-Branded Credit Cards

At Money20/20, Spelfogel discusses Cardless’s data-driven approach, AI in underwriting and customer service, and the overlap between credit cards and buy-now-pay-later.

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