Your Card. Your Rules.
Get all the features you want, all in one place, with the world’s first app-powered credit card.
Apply in minutes
3% cashback on every purchase
Enjoy low APR
Apply in minutes
3% cashback on every purchase
Enjoy low APR
Apply in minutes
3% cashback on every purchase
Enjoy low APR
Apply in minutes
3% cashback on every purchase
Enjoy low APR
CUSTOMIZABLE FEATURES
Curated by you
We think that the only person who knows what you need in a credit card is you. That’s why we designed Klutch to be a platform that delivers true flexibility by giving you access to a range of apps that sync with your card automatically. The result is a card unlike any you’ve used before.
Explore the apps
Powered by Klutch
Our ecosystem of mini apps is always expanding, giving you access to the tools, features, and integrations you need.
Products
Pick your Klutch card
Choose your card and plan designed to fit your lifestyle.
Klutch Credit
- Low APR
- One easy payment at the end of the month.
- Flexible credit limit.
Klutch Spend
- No Credit checks, no credit impact.
- Load funds from your bank and spend up to what you add.
- Fast and easy transfers.
Essentials
All the essential basics, free to make your life easier.
Rewards
Smarter spending, control and cash back on every purchase.
Premium benefits to maximize your cards and rewards.
Exclusive Klutch
Metal Card
Get the Metal Card: 3% cash back*, unlimited virtual cards, zero foreign transaction fees.
Perks
Loaded with benefits
Get even more out of your card with perks that let you pay your own way.
Up to 3% cash back
Earn up to 3% cash back on all purchases with the Klutch Metal.*
Plus up to 10% cash back on certain merchants with the Klutch Deals mini-app
Klutch Metal Card
Your first Klutch Metal Card is included with the Metal Plan.
Virtual Cards
Create virtual cards to keep your bills organized and your life easier.
No foreign transaction fees**
Pay in the local currency at the current exchange rate, automatically.
Powered by Visa
And accepted around the globe.
Apple Pay + Google Pay
Add your card to your virtual wallet to pay with phone, split bills, and more.
The reviews are in
What people are saying about their Klutch Card
"As a software engineer Klutch gives me access to all my spending data which allows me to build interesting products and gain deeper insights into my spending.”
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"The Mini App centered platform Klutch built is the future of banking. I get access to the newest and best features from any top credit card directly in Klutch. I no longer have to log in and download 10+ different apps or accounts, its all right there in Klutch. I cant wait to see which Mini App comes next!"
"I’ve been looking for something like Klutch for years, using hacky solutions to do in hours what I set up with Klutch in minutes. It’s really powerful, with granular control and customization I haven’t found anywhere else. I love that it just gets better over time."
Modern SEcurity
Spend wisely, pay safely
Klutch is a Visa Card, which means we offer the same level of protection you’re used to. And since our app-based approach gives you more control over what your card does, you get more control over who can access your data too.
FAQS
We’re here to help
What are Mini Apps?
Mini Apps are programs, functions or automations that customize your card experience and make the card work for you.
You install a Mini App by going into our Mini App gallery and clicking on Install.
Mini Apps monitor your transactions, perform calculations and even control decline or approve transactions on your behalf.
What's the difference between the Klutch Credit Card and Klutch Spend Card?
The difference between Klutch Credit Card and Klutch Spend Card is that Klutch is an unsecured credit card and Klutch Spend Card is a collateralized card.
Klutch Unsecured requires us to do a soft pull your credit report while the Klutch Spend Card, you can get approved without a credit report pull, but you will need to submit a collateral.
How long does it take to get approved?
Most of our users gets approved instantly, a few might require additional time. We approve 90% of those cases within a day.
Start building your Klutch today
GET YOUR CARDAbout klutch
We’re on a mission to make your life better, one breakthrough app at a time.
Klutch grew from our belief that people should demand more from technology. So when we noticed a critical need for more control and flexibility in how people make payments, we went to work pioneering a framework that delivered just that.
