Teaching kids how to manage money is important—but doing it with a debit card can be limiting. That’s why Klutch built the Child Allowance Mini-App: a smarter way to give your kids a spending allowance using a real credit card that you control.

With Klutch, your child gets all the benefits of a credit account—including cash back, protection from shady merchants, and the ability to pay later—without any of the risk. You set the rules. They get real-world experience.

How It Works

• Install the Child Allowance Mini-App
  In the Klutch app, go to the Mini-Apps tab and install the Child Allowance Mini-App. Once installed, you can issue a new card for your child with just a few taps.

• Set an Allowance and Controls
  Choose how much your child can spend—per day, per week, or per month. You can set a recurring allowance, top up manually, or even cover specific purchases as they happen.

• Stay in Control at All Times
  Track spending in real time, receive instant alerts, and freeze or cancel the card instantly if needed.

• Teach Good Habits, Reap Real Rewards
  Your child learns how to budget and spend responsibly. You earn cash back and retain full oversight.

Not Just Safer—Smarter

• Works wherever Visa® is accepted
• No overdrafts or surprise fees
• Merchant and category restrictions available
• You pay later—just like any other Klutch credit card
• Earn cash back on your child’s purchases

Bonus Use Cases

It’s not just for kids:

• Set limits for babysitters or caregivers
• Create monthly budgets for teens or students
• Cover shared family expenses with full visibility

Ready to make allowances smarter?
Install the Child Allowance Mini-App today and start giving your kids financial freedom—with training wheels, Visa rewards, and complete control

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