Card is cool but you need good credit Cool new company doing something different in the credit card space. Works totally differently, once you get used to it, its cool. Warning though - think you need pretty good credit to get approved.

A great life hacking credit card I am a DIY type of person, so I've been looking for a DIY / life hack credit card for a while. I only found a few others that offered "virtual card" numbers for me to use while online shopping so I don't have to give my regular card number everywhere. I also like the ability to limit or freeze cards and the auto categorization. I've linked it to my other financial tools through the plaid integration. I also like being able to set a budget and track spend against budgeted categories as well as the if-this-then-that rules that I can create to trigger for certain spend items. I don't want Amazon or Netflix to charge me more than I have signed up for, so I have limits on those merchants and similar others. I haven't found other cards where I can limit specific merchant spend.

My favorite card to date My favorite card to date. No annual fee, very low APR and easy management. The ability to create virtual cards and the tools to control them are impressive. I have been recommending this card to family and friends.

A credit card with more controls The Klutch card is the perfect card for those who want more control of their credit. The app gives you control over your data and transactions. The single use card feature is great for avoiding reoccurring expense or less-than trustworthy vendors. Finally, the cash back shows up where it should, reducing your balance.

Impressed with customer service Hey so I’ve been using a few neobanks now. I have accounts at Robinhood and Chime and I have to say I was having issues with my adding my bank account and emailed their support line and they have been surprisingly responsive and helpful. I was able to get what I needed in 24 hours and even though I have to email them I have to say its been pretty good ever since.