Clutch: Credit Card Perks
Track perks. Beat the fee.
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
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.
Terms of Use: https://clutchcard.app/terms
Privacy Policy: https://clutchcard.app/privacy
Fixes an issue where checking for card updates could fail without any sign of it. Refreshing now reports whether the list updated, was already current, or could not be checked. The date it showed before is gone.
Improves the labels on statuses that require enrollment.
Small wording and polish fixes throughout.
The developer, Execura Solutions LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Execura Solutions LLC
- Size
- 3.5 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Clutch Pro Lifetime $59.99
- Clutch Pro $19.99
- Copyright
- © 2026 Execura Solutions LLC