IN THE FIELD GUIDE
clutchcard
clutchcard.app
Clutch is an iOS app that tracks credit card credits and annual fees locally on the device without collecting user data or requiring account logins. It helps users optimize credit card usage by showing when cards have earned their annual fees and which card to use for purchases.
THE PRODUCT, BEYOND THE PITCH
Editorially reviewed · Sources checked Sep 13, 2026
A good fit for
- Users who want to manage credit card benefits privately without sharing data or linking accounts.
Know the limitations
- Available only on iOS devices as a free app on the App Store.
What you can do
- Helps users decide whether to keep or cancel credit cards based on annual fee value and usage.
Features
- Tracks credits already paid for on credit cards and monitors annual fee value.
- Displays a meter for each card indicating progress toward beating the annual fee, turning green at 100% and gold at 150%.
- Alerts users to credits about to expire with a countdown and allows claiming credits to update the meter.
- Suggests the best card to use for purchases by reading the user's carry and surfacing open credits.
Integrations
Not confirmed yet.
Platforms & data export
Not confirmed yet.
THE COST FOR YOUR TEAM
Go beyond the starting price.
Published plan prices for your team size and usage. Results update as you type. Taxes, currency conversion and unlisted add-ons are excluded, and anything the source did not state is called out rather than guessed.
Known monthly subtotal
$0.00/month
1 of 1 tools could not be priced with these inputs, so this is not the full cost.
| Tool / plan | Monthly | Per year | What this assumes |
|---|---|---|---|
| No pricing recorded yet. Check the official site, or ask the owner to add it. | |||
A practical workflow
- Set up your carry once to track credits and fees throughout the year.
- Claim credits before they expire to update the fee meter.
- Tap the purchase category to get a recommendation for the best card to use.
- Decide to keep or cancel cards at renewal based on clear fee value feedback.
- When a card earns more than 150% of its annual fee, the meter turns gold indicating pure profit.
Based on the sources below. Editorial review does not imply hands-on product testing.
Alternatives to explore
Filter alternatives →Candidates based on category and primary feature. Check feature and pricing differences before switching.
Plan a switch from clutchcard →What changed
Changes to the facts recorded here, not a live scan of every vendor update. Save this tool to follow updates in your account.
No changes recorded yet.