The Klutch is a personal credit card from Klutch. Approval typically requires a credit score of null or higher. [SOFT PULL ONLY] | EXPERT REFERENCE (Feb 2026): Pre-approval available with a soft pull. | EXPERT REFERENCE (Feb 2026): $10,000 credit limit offer seen. | EXPERT REFERENCE (Feb 2026): Starting limit as low as $2,000 reported. | EXPERT REFERENCE (Feb 2026): Interest rate is 16%. | EXPERT REFERENCE (Feb 2026): Offers both virtual and physical cards. | EXPERT REFERENCE (Feb 2026): Dynamic spending feature adjusts limits based on usage and payment behavior. | EXPERT REFERENCE (Feb 2026): Offers three plans: Essentials (Free), Rewards ($10/month), Metal ($20/month). | EXPERT REFERENCE (Feb 2026): Includes Mini-Apps for programmable finance features.