What if your card could take action the moment something unusual happens? What if you could automatically categorize expenses, lock a card if it’s misused, or route spending based on your own logic—not someone else’s rules?

With Klutch’s If/Then Mini-App, you can.

This mini-app lets you build simple automations—if this happens, then do that—to take control of your money in ways no traditional credit card can match.

How It Works

Once you install the If/Then Mini-App, you can set up automated actions that trigger based on your card activity. No coding. No spreadsheets. Just smart logic you define.

For example, you can:

• Automatically lock a virtual card if it’s used at the wrong merchant
• Send custom alerts if a transaction exceeds a set amount
• Move purchases into specific categories based on merchant or keyword
• Route recurring charges to a single-merchant card to keep them isolated
• Get notified if spending patterns deviate from normal behavior

It’s like setting up rules for your money—rules that actually get followed in real time.

Why It Matters

Most cards are passive. You swipe, and that’s it. If you want better tracking, security, or control, you're usually left doing the heavy lifting manually.

The If/Then Mini-App flips that model. Now, your Klutch card works for you—watching for key events and responding instantly, even when you’re not paying attention.

Whether you’re a budget hawk, a parent supervising a child’s allowance card, or a frequent traveler looking to lock down your spending in certain categories, the power is in your hands.

What You Can Automate

Some of the most popular use cases include:

• Security: Lock or freeze cards if they’re used at unexpected places
• Budgeting: Flag or recategorize dining spend over a weekly limit
• Organization: Auto-tag rideshare and travel charges for business use
• Oversight: Get a daily digest of all card activity across your account

And because it’s fully integrated with your Klutch Visa card, everything happens the moment a transaction is authorized.

Ready to put your card on autopilot?
Install the If/Then Mini-App today and start building your own smart spending rules—no manual tracking, no surprises, just total control.

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