You're +$318 over April last year. Dining and Transit are the drivers; Groceries pulled you back.
- Dining
- $487→$612
- +26%
- Groceries
- $894→$721
- −19%
- Transit
- $156→$203
- +30%
- Subscriptions
- $312→$298
- −4%
- Shopping
- $445→$528
- +19%
Klutch × MCP
Tell your AI. Your card listens.
Write spending controls in plain English, then ask your assistant anything about where the money actually went. Connect the Klutch MCP server to Claude or ChatGPT and your credit card starts taking instructions — and answering questions — without a dashboard, toggle, or menu in sight.
Works with
Claude
ChatGPT
Renato
Lock my Travel card when I get home Friday, and cap my Groceries card at $200 per day starting today.
Claude Opus 4.7
Consulting Klutch · reading your cards…
→
list_cards
ok
→
create_transaction_rule
spec: LockCardRuleSpec cardIds: ["Travel ••2847"] displayName: "Auto-lock on arrival"created
→
set_spending_limit
cardId: "Groceries ••9113" amount: 200 period: DAY resets: trueapplied
Done. Two rules live on your account: the Travel card will auto-lock Friday evening, and your Groceries card now holds a $200/day ceiling, resetting at midnight. Want me to schedule a Sunday report on how close you got?
rules
§ 02The prompt is the interface.
"No Uber Eats after 10pm on weekdays."
"Compare my April spend with last year, by category."
"Cap the kids' card at $40 a week."
"Block every casino MCC, forever."
"Which merchants ate the most of my business card this quarter?"
"Lock the travel card until June 3."
"Let the business card spend $5k this month, not a cent more."
"Chart my takeout spend week by week since January."
"Only allow in-person purchases on the backup card."
"Decline anything over $300 that isn't recurring."
"Freeze the subscription card if it charges a new merchant."
§ 03Six ways to make a card behave.
Every rule Klutch can enforce, every way you can ask for it.
Your assistant — Claude, ChatGPT, or any MCP-capable model — maps natural language onto Klutch's transaction-rule engine. These are the six primitives it composes from, and the kind of sentence that produces each one.
-
01
Cap a total over a period.
"Don't let the dining card cross $600 in any month."
period: MONTH amount: 600 filters: [CATEGORY = DINING]
-
02
Refuse anything that matches.
"Block every merchant whose name starts with 'PAYPAL'."
field: MERCHANT_NAME operator: STARTS_WITH value: "PAYPAL"
-
03
Budget for a date window.
"Give the travel card $2,400 between Jun 3 and Jun 17."
startDate: 2026-06-03 endDate: 2026-06-17 amount: 2400
-
04
Only inside these hours.
"Only let my teen's card work between 07:00 and 20:00."
startTime: 07:00 endTime: 20:00
-
05
Only on these days.
"The business card runs Monday through Friday. Weekends are off."
daysAllowed: [MON, TUE, WED, THU, FRI] -
06
Shut the card completely.
"Lock my backup card. I'll tell you when to open it again."
spec: LockCardRuleSpec // declines all transactions
§ 04Controls are half the story.
Your card doesn't just listen. It answers back.
The AI reads the same ledger it writes rules against. Comparisons across months, merchant rollups, category breakdowns, trendlines — composed on the fly from the MCP's read tools, rendered inline in the chat.
"Which merchants took the biggest bite out of my business card this quarter?"
Top 5 merchants account for $15,648 — 67% of the quarter.
- 01 Amazon Web Services $8,412
- 02 Figma $2,880
- 03 Delta Airlines $2,340
- 04 Notion $1,176
- 05 Linear $840
"Show me takeout spend week by week since January. Am I getting better?"
Yes — down 34% from the February peak.
§ 05Three minutes, no SDK.
Plug the server in, then just talk.
-
01
Get a Klutch card.
Most applicants are approved instantly. You'll spend on it — and tell your AI how.
Apply → -
02
Add the MCP connector.
In Claude or ChatGPT: Settings → Connectors → Add custom connector. Paste the URL, sign in with Klutch.
Remote MCP Serverhttps://mcp.klutchcard.com -
03
Start asking.
Type the rule you want — the model picks the tools, fills the arguments, and shows you what it built.
"Cap my takeout at $50 a week and block DoorDash after midnight."
§ 06Three real conversations.
Things people actually hand to the assistant.
Plan the Lisbon trip — then make the card behave.
Give my Travel card a $2,400 ceiling between May 3 and May 17, and block anything outside Portugal during that window. Auto-lock it on the 18th.
Built three rules on Travel ••2847: StartEnd · $2,400 · May 3–17 Decline · country ≠ PT LockCard · activates May 18 00:00 You're covered. Want the trip summary pre-filled from last year's Portugal spend?
Give the kid a card — with guardrails.
My son is 15. Give him the secondary card with $40/week, nothing after 9pm, nothing online, and auto-decline anything over $25 in a single transaction.
Four rules on Secondary ••0412: Accumulating · $40 · WEEK TimeOfDay · 06:00–21:00 Decline · CARD_PRESENT = false Decline · AMOUNT > 25 He'll see declines in-app. I can text you a daily recap if you want.
Close the month without touching a dashboard.
Sum my business card spend this quarter, group it by merchant, and hard-cap the card at $8k for Q2. Exempt the AWS charges from the cap.
Q1 total: $23,418.72 across 142 charges. Top merchants: AWS, Figma, Notion, Linear, Vercel. Built on Business ••5509: Accumulating · $8,000 · QUARTER filter · LEGAL_NAME ≠ "Amazon Web Services" The rule ignores AWS toward the cap. Q2 starts clean.
§ 07Your card. Your rules. Your words.