Klutch Private Card — Some purchases are nobody's business.

Klutch × Private Card A Mini App for the things you'd rather not announce.

Some purchases are nobody's business but yours.

Private Card is a Klutch Mini App that quietly takes a transaction off the record. Bill it from any address you want. Label it whatever you like on the statement. Skip the push notification. The charge still clears — the paper trail is yours to write.

Add Private Card to Klutch
Bills as
any address you set
Statement reads
whatever you label it
Notifications
silent if you say so
DOC · 04-2026 · KLUTCH PAGE 04 / 12 PRIVATE

Monthly statement

Apr 1 — Apr 30, 2026 · ending in 2847

  1. Apr 04 Whole Foods · Greenwich Groceries $182.40
  2. Apr 09 Delta Air Lines · BOS-LIS Travel $612.00
  3. Apr 14 General Store · NYC Tiffany & Co · 5th Avenue Misc. Jewelry $389.00
  4. Apr 18 Uber · 4 trips Transit $74.20
  5. Apr 22 Stripe · subscription Software $29.00
Tip: hover the private row to see what only you can see. Total · $1,286.60

§ 02Three switches per transaction.

Privacy isn't a setting. It's three small choices, made one charge at a time.

Every Klutch card you create can run in private mode. When you do, you decide three things — independently — for that card or that single transaction.

  1. 01 · Address

    Bill it from a different address.

    Spotify and Netflix never ship you anything — but they still want a billing address to verify the card. Private Card sets any billing address you want, per card. The merchant verifies it. Your real one stays put.

  2. 02 · Descriptor

    Label it on the statement.

    Choose how the charge appears on transaction lists, statements, and exports. The bank still sees the truth — anyone reading over your shoulder doesn't.

  3. 03 · Notifications

    Charge clears — phone stays quiet.

    No push, no badge, no buzz. The transaction posts and reconciles like any other — it just doesn't announce itself to the room.

§ 03One statement. Yours to write.

There is no second view. What you write is what gets read.

Private Card doesn't hide a "real" version somewhere for you to flip back to. There's just one statement — the one everyone with access reads — and it says exactly what you tell it to. The truth lives where it always did: in your head, on the merchant's receipt, and in the bank's compliance ledger no one will ever look at.

WHAT YOU REMEMBER

In your head — never on a screen

  1. Apr 14 Tiffany & Co · 5th Ave $389.00 anniversary
  2. Apr 21 Therapist · weekly $84.00 Tue 6pm
  3. Apr 26 Surprise Trip · deposit $212.50 June 9 reveal

↳ only you ever knew this.

WHAT THE STATEMENT READS

App · PDF · CSV export · joint review · audit trail

  1. Apr 14 General Store · NYC $389.00
  2. Apr 21 Professional Service $84.00
  3. Apr 26 Hardware Co · Brooklyn $212.50

↳ everyone with access reads this. all of them.

§ 04None of these are anyone else's business.

Anniversary gift ▓▓▓▓▓▓▓▓▓ Therapy · weekly Surprise trip deposit ▓▓▓▓▓▓▓▓▓▓▓▓ A divorce attorney's retainer The watch you don't want to explain ▓▓▓▓▓▓▓▓ A second opinion Birthday flowers ▓▓▓▓▓▓▓▓▓▓ A medication you'd rather not see flagged A donation that should stay quiet ▓▓▓▓▓▓▓▓▓

§ 05Three quiet conversations.

Reasons people install Private Card on a Tuesday afternoon.

the surprise

"I don't want her to see the flowers before they show up."

A new card spun up just for the surprise: bills from your office, posts as "GENERAL STORE · NYC", no notification. The florist gets paid. The statement is uneventful.

  • BILLSyour office
  • LABELGeneral Store · NYC
  • NOTIFsilent
the personal

"My therapy is between me and my therapist."

A recurring Tuesday charge that posts as "PROFESSIONAL SERVICE". No category, no merchant name, no phone buzz at 7pm. Reconciles cleanly to the cent.

  • BILLSon file
  • LABELProfessional Service
  • NOTIFsilent
the household

"We share a card. Some things stay mine."

A divorce attorney's retainer that doesn't show up on the joint export. The bank still has the truthful record. The household statement just shows a tidy, generic descriptor.

  • BILLSyour office
  • LABELOffice Services
  • NOTIFsilent

§ 06Two minutes. No new app.

Install Private Card once. Run it forever.

  1. 01

    Get a Klutch card.

    Most applicants are approved instantly. Private Card lives inside the same Klutch account.

    Apply →
  2. 02

    Add the Mini App.

    Open Klutch · App Store · find Private Card · tap Add to Klutch. Spin up a new card or convert an existing one.

    Privacy Private Card BY KLUTCH + ADD TO KLUTCH
  3. 03

    Set the three switches.

    Address. Descriptor. Notifications. Per card or per transaction. Change them whenever — the next charge respects the new rules.

    "Ship to PO Box. Statement reads General Store. Don't ping me."

§ 07Your card. Your rules. Your story.

Privacy isn't paranoia.
It's just discretion.

Get your Klutch card Read the Private Card story

KLUTCH · Your Card. Your Rules.