Clutch: Credit Card Perks

An annual fee is only a loss if you let it win. One card can carry more than $2,500 in credits a year against that fee, and the bank is quietly betting you forget most of them.

Clutch keeps score. Know your carry.

TRACK EVERY CREDIT Add your cards and Clutch lays out every credit they carry: dining, travel, rideshare, streaming, hotel stays, all of it. One tap marks a credit used and the annual fee loses ground.

BEAT THE FEE Every card with an annual fee gets a meter. Fill it past 100% and the label flips to Fee beaten. Keep going and it turns gold: Pure profit. That $895 fee is now paying you.

ON THE CLOCK Credits reset monthly, quarterly, and yearly, and the ones you skip are gone at the deadline. On the clock lines them all up by expiry, so the credit with six days left sits on top.

THE PICK Buying flights? Groceries? Dinner? Tap the category and Clutch names the card in your wallet that earns the most, with the math to back it up.

STATUS YOU ALREADY OWN Some cards quietly hand you elite status at hotels and rental counters. Clutch surfaces every tier your carry unlocks so you actually use it.

CARDS COVERED American Express, Chase, Citi, and Capital One, including Platinum, Gold, Sapphire Reserve, Venture X, Hilton Aspire, Bonvoy Brilliant, Delta Reserve, United Club Infinite, and AAdvantage Executive. The list keeps growing over time.

YOURS. ONLY YOURS. Most perk trackers start by asking for an account or your bank logins. Clutch never asks who you are. No account. No signup. No bank login, ever. Your cards, your claims, your history, all on your phone and backed up only to your own iCloud. There is no server to breach and no profile to sell.

FREE TO START Two cards with annual fees, free forever, with every feature switched on, plus unlimited cards with no annual fee. Clutch Pro opens it up to unlimited cards with annual fees, yearly or one payment for life. Catch a single $100 credit you would have missed and it has already paid for itself.

Setup takes about two minutes. Nothing to link, nothing to verify, no card numbers anywhere.

Card benefits change constantly. Clutch refreshes its card list in the background, so your numbers stay honest without waiting on an app update.

Know your carry. Keep it to yourself.

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