Klutch Card

I was very excited because I thought there was/is lot of potential. In use it feels cobbled together at best. App experience is clumsy and lacking features; no context or instructions provided for the features that are here… for example a single use or single merchant card allows you to set a limit, but you have to choose how often that limit refreshes (daily, weekly, monthly, or yearly)… there is no option to not reset the limit… feels counter to the point of a single use card. You can’t add notes to a card to record how you used it, what you set it up for, etc. UI feels unpolished and far from complete. Probably worst of all, they insist there is only one payment option and it’s through a 3rd party payment system called Plaid that requires you log into your bank account(s) via Plaid. Plaid is forced to disclose that they will have access to your balances for your accounts within whichever banking institution you connect, your contact info, routing and account numbers, etc. Totally unacceptable… how is this true of a credit card that is supposed to be about privacy and security? I’m very disappointed and can’t recommend at all.

I’m loving the idea of Klutch, I just have issues with the app. The app feels and runs like a webpage. Every tab has to load for a second, the tab bar is small, and the entire app is not easy to navigate. This app needs a UI/UX overhaul. Also does not require a pin or biometric to access by default, it is in settings. ALSO, my biggest issue, one of the main features of this card is it’s “mini apps”. Which they neglect to tell you that you need a subscription to use them. They are already a credit card company making money that way, I don’t see why they would paywall a main feature when they are trying to gain customers.

This is absolutely what I have been looking for. Finally a card that does all the things I need and I don’t need to keep trying to optimize with all different cards. The application process is super easy and quick. The app is different than any other card you’ve used, there are so many features!