[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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