# Scott Kazmierowicz

> Scott Kazmierowicz is the co-founder and CEO of Cardless, a San Francisco fintech rebuilding the credit card from the brand outward. Started in March 2019 after a Christmas Eve napkin session in a Bryant Park Whole Foods, Cardless lets companies like Coinbase, Bilt, Qatar Airways and Alibaba launch and run their own co-branded credit programs without the legacy bank in the middle. A Stanford computer science grad who passed through Goldman Sachs and Allen & Company before turning founder, Kazmierowicz frames the work as a design problem as much as a finance one: make credit products that are useful, fair and respectful of a person's dignity. By 2025 the company had raised more than $170 million and was growing card transaction volume 400% year over year.

- **Role:** Co-Founder & CEO at Cardless
- **Organizations:** Cardless, Allen & Company LLC, Goldman Sachs, Stanford University
- **Nationality:** American
- **Education:** B.S. Computer Science (Artificial Intelligence focus), Economics, Stanford University, Study abroad, Peking University (Stanford BOSP program)
- **Known for:** Co-founded and leads Cardless, described as the first mass-market credit card company since Capital One, Raised more than $170 million across multiple rounds, including a $60M Series C led by Spark Capital (2025), Signed major brands including Coinbase, Bilt, Qatar Airways, Alibaba and Avelo onto the Cardless platform

## Career timeline

- **2016** — Software Engineering & Securities Strategy at Goldman Sachs
- **2018-2019** — Investment Banking at Allen & Company LLC
- **2018** — Christmas Eve napkin session in a Bryant Park Whole Foods that seeded the Cardless idea
- **2019** — Co-founded Cardless with Michael Spelfogel; became CEO
- **2021** — Launched first product, the Cleveland Cavaliers co-branded card; raised $40M
- **2024** — Embedded credit into Qatar Airways' Privilege Club app
- **2025** — Closed $60M Series C led by Spark Capital; launched Coinbase crypto-native card; total funding surpasses $170M
- **2026** — Cardless named one of Fast Company's Most Innovative Companies

## Achievements

- Co-founded and leads Cardless, described as the first mass-market credit card company since Capital One
- Raised more than $170 million across multiple rounds, including a $60M Series C led by Spark Capital (2025)
- Signed major brands including Coinbase, Bilt, Qatar Airways, Alibaba and Avelo onto the Cardless platform
- Grew card transaction volume 400% year over year
- Cardless named one of Fast Company's Most Innovative Companies of 2026

## Latest updates

- **2025-09** — Cardless raised a $60M Series C led by Spark Capital, pushing total funding past $170M, on the heels of Coinbase and Bilt partnerships.
- **2026** — Cardless recognized as one of Fast Company's Most Innovative Companies of 2026.

## Links

- Website: https://cardless.com
- LinkedIn: https://www.linkedin.com/in/scottkaz/
- Twitter/X: https://x.com/scottwkaz

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Profile page: https://yespress.io/scott-kazmierowicz
Published by YesPress — https://yespress.io
Last updated: 2026-06-20