Klutch Spend
Get all the features you want, all in one place, with the world’s first app-powered card.
No Credit Checks
No Impact on Credit
Available Now
Apply in minutes
Get pre-approved without a credit check
Enjoy low APR
Apply in minutes
Get pre-approved without a credit check
Enjoy low APR
Apply in minutes
Get pre-approved without a credit check
Enjoy low APR
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.
Klutch gives you access to powerful mini-apps 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.
FAQS
We’re here to help
What are Mini Apps?
Mini Apps are programs, functions or automations that customize your card experience and make the card work for you.
You install a Mini App by going into our Mini App gallery and clicking on Install.
Mini Apps monitor your transactions, perform calculations and even control decline or approve transactions on your behalf.
What's the difference between the Klutch Credit Card and Klutch Spend Card?
The difference between Klutch Credit Card and Klutch Spend Card is that Klutch is an unsecured credit card and Klutch Spend Card is a collateralized card.
Klutch Unsecured requires us to do a soft pull your credit report while the Klutch Spend Card, you can get approved without a credit report pull, but you will need to submit a collateral.
How long does it take to get approved?
Most of our users gets approved instantly, a few might require additional time. We approve 90% of those cases within a day.
The reviews are in
What people are saying about their Klutch Card
"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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"The Mini App centered platform Klutch built is the future of banking. 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, its all right there in Klutch. I cant wait to see which Mini App comes next!"
"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 app 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.
