Up to 3% cash back
Earn 3% cash back on every purchase with the Metal plan.*
Klutch Spend Card
Klutch Spend
Get all the features you want, all in one place, on the card with AI built in.
Get started
No credit checks
No impact on credit
Available now
Klutch Spend
Simple, Secure Spending. No Credit Check Needed.
The Klutch Spend Card is a flexible, no-credit-check payment solution that lets you stay in control of your finances. Simply transfer funds from your bank account to load your card, and spend only what you've added. No credit line, no surprises. Also get 1% cash back.
Klutch gives you access to powerful Skills to manage your money smarter. Set budgets, automate payments, and track subscriptions, all in one place. You can also create virtual cards with spending limits and merchant controls for safer online purchases. Every transaction comes with detailed data so you always know exactly where your money's going.
Perks
Loaded with benefits
Get more out of every purchase with perks that grow with your plan.
Free card on paid plans
The Klutch Card is optional, and free with any paid plan.
Free to start
Start on the free plan and try Klutch Connect free for 1 month.
No foreign transaction fees
On paid plans, pay in the local currency at the current exchange rate.
Powered by Visa
And accepted around the globe.
Unlimited Virtual Cards
Create unique cards for different retailers and control them all from the app.
Apple Pay + Google Pay
Add your card to your virtual wallet to pay with phone, split bills, and more.
Pricing
Choose your plan
Pick the plan that fits you. Paid plans include Klutch Connect.
ESSENTIALS
All the essential basics, free to make your life easier.
$0/mo
Free forever
Get started free
- Free Skills, pay per use on paid Skills
- 10 free virtual cards per month¹
- Klutch Connect free for 1 month
- Standard support
- No foreign transaction fee
- Free physical card
- Cash back
REWARDSMOST POPULAR
Smarter spending, control and cash back on every purchase.
$10/mo
Billed annually, or $12 monthly
Get Rewards
- All Skills included
- Klutch Connect included
- 30 free virtual cards per month¹
- Priority support
- No foreign transaction fee
- 1 free physical card
- 2% cash back on eligible purchases
METAL
Premium benefits to maximize your cards and rewards.
$20/mo
Billed annually, or $25 monthly
Get Metal
- All Skills included
- Klutch Connect included
- Unlimited virtual cards¹
- Priority support
- No foreign transaction fee
- 1 free metal card
- 3% cash back* on eligible purchases
* Earn 3% cash back up to USD 1,000 in monthly purchases, then 2% thereafter.
¹ Card creation is subject to reasonable limits at Klutch's discretion. See our Terms of Service.
FAQs
We're here to help
How does the Klutch Spend Card work?
The Klutch Spend Card works like any other card. You open your account and add funds to the card. Once the funds are added, you can use them to pay for products and services anywhere Visa is accepted.
What are Skills?
Skills are programs, functions, or automations that customize your card experience and make the card work for you. You add a Skill by going to the Skills gallery and tapping Install. Skills monitor your transactions, perform calculations, and can even approve or decline transactions on your behalf.
How long does it take to get approved?
Most of our users get approved instantly. A few might need additional time, and we approve 90% of those cases within a day.
Klutch community
The reviews are in
Fletcher FowlerSoftware Engineer
"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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Will BerkowitzEntrepreneur
"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, it's all right there in Klutch."
Tal GlobusTechnologist
"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."
About Klutch
We're on a mission to make your life better, one breakthrough idea 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.
