[Expired] Manchester United Card: $500 after $3K spend (currently doesn’t add to 5/24)

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View from the Wing seems to have a unique link to a signup bonus for this credit card oddity.  A Manchester United credit card for U.S. residents?  Okaaaay…  This credit card is produced by a startup named Cardless.  I *think* this is a virtual card rather than a physical card, but I couldn’t find confirmation online.  It looks like a physical card in the picture, but I doubt that a company named Cardless offers physical cards.  On the other hand, I would have doubted the introduction of a Manchester United card in the U.S. as well, so don’t go by my doubts. Update: The Cardless card is a physical card after all.  The welcome email after approval says: “Your physical card will arrive by mail in 3–5 business days.”

Note that this (maybe cardless?) card currently requires having an iPhone or iPad or some other device running iOS:

If you say “no,” you’ll be invited to join the Android waitlist (found here).

Hard pull, but no 5/24 Impact

View From the Wing asserts that this card will not add to your Chase 5/24 count if you sign up soon because “When an issuer is brand new, their first accounts don’t get reported to credit bureaus. That will certainly change soon, but it’s accurate as of the date I’m writing this.”

I applied for this card today and there was a hard pull against my Experian credit report.

Fees

  • No annual fee
  • No foreign transactions fees

Earning Rate

  • 5x points at bars/restaurants on match days
  • 5x points on rideshare and streaming services
  • 1x points on everything else

Points worth 1 cent each if you apply by May 26

The Cardless website says that you must apply by May 26 for higher lifetime redemption rates.  Apply now and your points will be worth a penny each as statement credits.  Supposedly, if you apply later, your points will only be worth a half cent each.  I wrote “supposedly” because my guess is that they’ll keep stringing out that date to later and later.  Otherwise, why would anyone get a card that earns half a cent on most spend?

Application Link

Here’s View from the Wing’s link: vftw-links.com/manu

My Take

If you have an iPhone and you can spend $3,000 easily, this sounds like an easy $500 win.  The issued card is a Mastercard, so it should be possible to use it with Plastiq to pay just about any bills, including rent or mortgage payments.  If you pay $3,000 that way, Plastiq’s 2.85% fee will cost you only $85.50.  You’ll still end up with over $400 in profit.

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[…] FM说虽然此卡申请时有hard pull,但此卡批准后新卡不会上报给信用局,所以不会被计入Chase 5/24卡数。不过我个人的看法是,现在不上报可能仅仅是因为这个信用卡的发卡机构太新了,以后总有一天会上报的,所以最好不要抱有太大的期望。 […]

[…] FM说虽然此卡申请时有hard pull,但此卡批准后新卡不会上报给信用局,所以不会被计入Chase 5/24卡数。不过我个人的看法是,现在不上报可能仅仅是因为这个信用卡的发卡机构太新了,以后总有一天会上报的,所以最好不要抱有太大的期望。 […]

[…] FM说虽然此卡申请时有hard pull,但此卡批准后新卡不会上报给信用局,所以不会被计入Chase 5/24卡数。不过我个人的看法是,现在不上报可能仅仅是因为这个信用卡的发卡机构太新了,以后总有一天会上报的,所以最好不要抱有太大的期望。 […]

Gaga

Cardless is super slow with payment processing and it may take a few days for a payment to post, anyway to work around it? Thanks

John Doe

How did you get that? I earned the 50k bonus but haven’t received the gift card yet for spending $1k.

Askmrlee

Got my card today. Be sure to mail in your Arbitration Opt Out request within 30 days of opening your account. Extract of T&C’s and instructions here:

b. Opting Out. If you do not want the requirement to arbitrate a Claim to apply to you, you may opt out of such mandatory arbitration by sending us written notice of your decision within thirty (30) days of the opening of your Account. Such notice must clearly state that you wish to cancel or opt out of the mandatory arbitration requirement of this Agreement. It should include your name, address, Account number, and your signature and must be mailed to: 350 Townsend St #610, San Francisco, CA, 94107. If you opt out of arbitration, this Arbitration provision will not apply to you, excluding the provision captioned “No Class Action or Jury Trial,” which will continue to apply to you to the greatest extent permitted by law.

[…] Frequent Miler – Cardless Cards? […]

[…] FM说虽然此卡申请时有hard pull,但此卡批准后新卡不会上报给信用局,所以不会被计入Chase 5/24卡数。不过我个人的看法是,现在不上报可能仅仅是因为这个信用卡的发卡机构太新了,以后总有一天会上报的,所以最好不要抱有太大的期望。 […]

[…] FM说虽然此卡申请时有hard pull,但此卡批准后新卡不会上报给信用局,所以不会被计入Chase 5/24卡数。不过我个人的看法是,现在不上报可能仅仅是因为这个信用卡的发卡机构太新了,以后总有一天会上报的,所以最好不要抱有太大的期望。 […]

[…] FM说虽然此卡申请时有hard pull,但此卡批准后新卡不会上报给信用局,所以不会被计入Chase 5/24卡数。不过我个人的看法是,现在不上报可能仅仅是因为这个信用卡的发卡机构太新了,以后总有一天会上报的,所以最好不要抱有太大的期望。 […]

Alex

Tried yesterday and they declined with bogus “unable to verify your identity”. They did not even pull the credit as otherwise I would have received a monitoring notification. Seems they were getting ready to shut down the offer already. Probably ran out of marketing funds as people jumped on the offer.

Mark

I don’t think this logic works — there’s a substantively identical offer on the Cavs card that nets to $500. They probably just want to balance things out between their two offerings.

Alex

Which one is the Cavs card?

Mark

This one. https://www.cardless.com/cavs-limitedmay21?utm_campaign=cavs-100kpromo&utm_medium=organic-social. It’s .5cpp but you get twice as many points, so still $500.

askmrlee

That is dead too. Did anyone get both ManU and Cavs cards?

Justin T

Dead? link doesnt direct to $500 offer

Mark

There’s a substantively identical offer on the Cavs card.

Tom

This will count against 5/24, just not right now. It takes new issuers some time to get their reporting set up, but the new account will eventually appear on your credit report. Could be tomorrow, could be in 3 months, we do not know.
VFTW indicated as such in an earlier post about this card

Ryan del Mundo

Apple did the same thing with their Apple Card.

J jo

Hi Grey!
I’m really interested in this card.
But I do have 2 questions:
As you said:” it doesn’t count against 5/24 if you apply this week.
I guess it probably means this card will not be reported to the credit bureau
So either open or close this card will not affect my credit history(except the HP part)
If it is true this card will be very cool
My first question is where did you find this? Could you post the link?
My second question is, will they report this credit card to the credit bureau after they change the rule?

Glenn Lee

Declined 🙁

And I’m actually a Manchester United fan!

Last edited 1 year ago by Glenn Lee
Jackson Waterson

I signed up with my IPad on safari. The App is only optimized for IPhones. It doesn’t size properly (I only see the left hemisphere of the screen) even when adjusting the magnification button. I was still able to create an account. Hopefully they fix this.

Mark

It says you have to do your first transaction by 5/26, not just apply.

Stephen

Just got approved with a $500 credit limit… any idea how I’m supposed to spend $3000 in 3 months with that CL???

Wes

Lol cycle your limit. Heaven forbid you get shutdown by cardless

Larry K

P2 just applied and got instant approval. Already used it for plastiq. She’s at 5/24 and has 3 months to drop down to 4/24 to get the Chase business preferred and another card, so I’m going to be pretty mad at Gary if he is wrong about the 5/24 thing, but an easy $500 with no 1099 is worth it.

askmrlee

Other than the one time spend bonus, is there anything else REALLY worthwhile about this card? No forex fee is always good, but 1% back is not even worth it as an every day spending card.

LarryInNYC

That, plus a bunch of Man City supporters will come to your house and split your head open with an ice pick!

Jackson Waterson

The email says “your physical card will arrive by mail in 3-5 business days.”

Jeff

I think you can use their iPhone app which has a virtual card and can start to use immediately

Steve

Looks like you also get a fanatics voucher for the cost of a manchester united jersey (usually ~$90).

I see that Gary notes it doesn’t count against 5/24 if you apply this week – but on what basis does he know that? It seems a bit strange that Cardless would be able to give comment on Chase’s 5/24 rule

Steve

For anyone interested, “When an issuer is brand new, their first accounts don’t get reported to credit bureaus. That will certainly change soon, but it’s accurate as of the date I’m writing this.” (VFTW write-up)

Last edited 1 year ago by Steve
askmrlee

That shirt is now priced $50, so I wonder if that’s the value of the Fanatics voucher (which I assume you could use on other items?)