Transaction categories

Subscription Streaming Services

Netflix®, Hulu® and Disney+, Discovery+, YouTube Music, HBO Max, HBO Now, Paramount+, Peacock, Spotify, Pandora, and Tidal.

Food Delivery Services

DoorDash, UberEats, GrubHub, Postmates, and Instacart.

Bars & Restaurants

Purchases at bars & restaurants (including cafes, bars, lounges & fast food restaurants), as classified by network Merchant Category Codes (MCCs).

Rideshare

Purchases on rideshare (including taxis and rideshare services such as Uber & Lyft), as classified by network Merchant Category Codes (MCCs).

Groceries

Purchases at grocery stores include supermarkets and merchants that offer a full-service grocery line of merchandise as classified by network Merchant Category Codes (MCCs). Some merchants that sell grocery items are excluded from this category.

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© 2026 Cardless, Inc., all rights reserved.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.

All other cards offered by Cardless are issued by First Electronic Bank, pursuant to license from Mastercard International Incorporated, or from Visa U.S.A. Inc., or from American Express. All offers are subject to credit approval.

American Express is a registered trademark of American Express. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association and is used under license.

All other trademarks, service marks, and trade names referenced in this material are the property of their respective owners and are used for identification purposes only.

© 2026 Cardless, Inc., all rights reserved.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.

All other cards offered by Cardless are issued by First Electronic Bank, pursuant to license from Mastercard International Incorporated, or from Visa U.S.A. Inc., or from American Express. All offers are subject to credit approval.

American Express is a registered trademark of American Express. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association and is used under license.

All other trademarks, service marks, and trade names referenced in this material are the property of their respective owners and are used for identification purposes only.

© 2026 Cardless, Inc., all rights reserved.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.

All other cards offered by Cardless are issued by First Electronic Bank, pursuant to license from Mastercard International Incorporated, or from Visa U.S.A. Inc., or from American Express. All offers are subject to credit approval.

American Express is a registered trademark of American Express. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association and is used under license.

All other trademarks, service marks, and trade names referenced in this material are the property of their respective owners and are used for identification purposes only.