Klutch Spend
Provider 
Founded 2019
Sells To Individuals
Pricing Model Subscription
Ownership Private
Klutch Spend
Product
Collateralized card with no credit check and fast approval.
Collateralized card with no credit check and fast approval.
Klutch Spend is a collateralized payment card requiring no credit check, where users load funds from their bank account and spend only the loaded balance. The card offers 1% cash back on purchases with promotional rates up to 6%.
Users access the same mini-app ecosystem as Klutch Credit, including virtual cards with spending limits, merchant controls, and detailed transaction data for complete financial visibility.
| Attribute | Klutch Spend | Privacy Virtual Cards | Ramp Corporate Cards | |
|---|---|---|---|---|
| Provider | |  |  | |
| Founded | 2019 | 2014 | 2019 | |
| Sells To | Individuals | Individuals | Enterprise, Small Business | |
| Pricing Model | Subscription | Subscription | Recurring, Software, Transactional | |
| Ownership | Private | Private | Venture-backed |
Provider
Founded 2019
Sells To Individuals
Pricing Model Subscription
Ownership Private
Provider
Founded 2014
Sells To Individuals
Pricing Model Subscription
Ownership Private
Provider
Founded 2019
Sells To Enterprise, Small Business
Pricing Model Recurring, Software, Transactional
Ownership Venture-backed
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