The Klutch is a personal credit card from Klutch. The annual fee is $0 (Essentials) / $10/mo (Rewards) / $20/mo (Metal). The ongoing APR is 16% (variable). Rewards: Essentials: cash back (rate not stated); Rewards: 2% cash back on eligible purchases; Metal: 3% cash back on up to $1,000 in monthly purchases, then 2%. Typical credit limit: $2,000 - $10,000 (reported approvals). Funding speed: Same-day (typically ~2 hours from soft pull to pre-approval). This product reports activity to your personal credit report. Visa-branded revolving credit with dynamic spending limits. Provides virtual + physical cards, multi-card generation per merchant or subscription, and programmable Mini-Apps for spending controls (auto-cancel free trials, real-time budget enforcement, single-use card numbers, business-vs-personal auto-categorization). Soft-pull pre-approval shows real credit limit before commit; hard pull occurs on accept. Three plan tiers: Essentials (free), Rewards ($10/mo for higher cash-back tiers), Metal ($20/mo).