Know your carry.
Clutch tracks every credit you've already paid for and shows whether each annual fee is earning its keep. No account, no bank logins, no data collected. Everything lives on your phone and nowhere else.
Know your carry. Keep it to yourself.
No accounts, no bank logins, no syncing. Clutch never sees your cards, your spending, or your name. There is no server to breach and no profile to sell.
Beating the annual fee is the game.
Every card gets a meter. Quiet while the annual fee is in progress. Green the moment you cross 100 percent and the fee is beaten. Gold past 150 percent, when the card turns pure profit.
Set it up once. Cash in all year.
See every credit you've already paid for.
Every card in your carry gets a fee meter, and credits about to expire float up to On the clock. You'll never miss a credit again.
Claim credits before they reset.
Credits with a deadline float to the top with a countdown. Tap one, claim it, and the meter moves.
Tap what you're buying. Reach for the right card.
Flights, restaurants, groceries, whatever. One tap and Clutch reads your carry, names the card, and surfaces any open credits. No math at the register.
Decide at renewal, with receipts.
Before an annual fee posts, Clutch reads your year and gives a plain verdict on whether the card pays for itself. Make your call and the big box collapses to one calm line. Clutch never cancels anything. The call is yours.
When a card out earns its annual fee, you get the gold.
Cross 150 percent and the meter goes gold. The fee is not a cost anymore. The card pays you now.