One of the best credit cards on the Market.. One of the best credit cards on the market. I was initially granted a 12% APR with a $5,000 max credit limit at a $400 spending limit and within a couple months I have received 4 spending limit increases to $1,500. Big, big fan of this card and looking forward to doing a lot of business with you in the near future. All the best, Raymond from California

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, it’s good and new. 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.

“One of my main cards” The application was super easy. I got a card right away and was able to add to my wallet and actually used it that day. The actual card comes in the mail ~2 weeks later. I didn’t really know what the card was all about until I got it and I’m still learning all the features they have. It really is for people that like managing their stuff on their phone and setting up things to help you save time. The app is pretty useful.

Changed my world So the Klutch card is making me rethink my views on what a credit card is. They are so different from the other cards out there. I love the flexibility and information on all my transactions, I have a few ideas of what I want to build to add to their marketplace of features. I love that I can build from their API. Their documentation could be a little clearer but it does the job!