A hand tapping a Silver Klarna Card over a contactless payment reader.

Spend smarter with Klarna cards

Use Klarna at any store, online or in person. Available as a credit or debit card.¹ Choose the card that suits you best. Upgrade your membership to get cashback and additional benefits.²

Why choose a Klarna card

Selecting a payment plan on the Klarna app with options for installments or paying in full.

The credit card with transparent terms

Flexibility everywhere

Shop anywhere Visa is accepted and split your payments flexibly. With transparent terms, you’ll always know exactly what you’re paying.

A black Klarna Card on top of a beach towel.

No FX fees

Fair terms. Full control.

We've removed Klarna's foreign exchange fees, so shopping abroad feels just like shopping at home.

3 Klarna Cards in Rose Gold, Silver and black.

Cashback³ & membership perks

Your card, your benefits

Choose the membership and perks that fit your lifestyle — higher cashback, travel perks, and more.

Debit or credit. Your call.

Your membership comes with a Visa card that lets you pay with Klarna at any store. Whether you pay now or later, our cards give you flexibility with clear terms. Choose the card that suits you best.

Debit card

Pay instantly by default

Pay with your bank account⁴

Pay directly with the money in your bank account. This option works like a debit card with built-in flexibility.

Earn cashback on every purchase with Klarna Plus and above

Every purchase settled instantly

Pay now or in instalments⁵

Credit card

Pay monthly by default

Charged to your linked bank account

This option works as a credit card, without revolving credit or complicated fees.

Earn cashback on every purchase with Klarna Plus and above

Enable automatic payments and never miss a due date

Pay monthly or spread the cost in instalments

Choose to delay a payment or split it over time⁶

Eligibility criteria apply. Requires a Klarna membership.

Pick your card

Payment flexibility

Both cards give you flexibility to decide how you pay before or after you shop.

Track your spending

Keep track of all your finances in one place. Set budgets and stay on top of payment due dates with our handy reminders.

Works everywhere

Add your card to Apple Pay or Google Pay for contactless payments.

Real reviews from real people

TrustScore

4.5

612.917 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Get started in minutes

Choose your card and sign up in the Klarna app.

Go to the Klarna app

Don't have the app yet? Download it to get started.

Get your card

Pick your card to apply and follow the steps to activate your card in minutes.

Start shopping

Your card is ready to use right away. Add it to your digital wallet to use it anywhere Visa is accepted.

Choose the right card for you

Choose your card design and the membership tier that suits you best, then enjoy exclusive benefits for travel, shopping, and everyday life.

Klarna Card in Rose Gold on a transparent background

30% off for three months

Max

44,99 €/month

Annual benefits worth up to 6.000 €

Premium included, and:

1.5% cashback on every Klarna purchase—redeem as cash or travel points

4x cashback at featured stores when you shop in the Klarna app

Extra interest on your savings – earn more with your Flex account at an effective annual interest rate of 2,70 %

10 free ATM withdrawals per month

Unlimited complimentary access to 1,500+ airport lounges

Cancel for any reason and get a 70% refund on trips and events cancelled ≥ 24 hours in advance⁷

5GB of global data per month

18 subscriptions included

+12

All Max benefits

30% off for three months

Premium

19,99 €/month

Annual benefits worth up to 3.600 €

Plus included, and:

1% cashback on every Klarna purchase—redeem as cash or travel points

3x cashback at featured stores when you shop in the Klarna app

Extra interest on your Flex account at an effective annual interest rate of 2,40 %⁸

Six free ATM withdrawals per month

Global travel protection

Exclusive metal card⁹

2GB of global data per month

14 subscriptions included¹⁰

All Premium benefits

Klarna Card in Black on a transparent background

Plus

9,99 €/month

Annual benefits worth up to 1.200 €¹¹

Everywhere included, and:

0.5% cashback on every Klarna purchase—redeem as cash or travel points

2x cashback at featured stores when you shop in the Klarna app

Four free ATM withdrawals per month

Purchase and price protection including damage, theft and extended warranties¹²

30-day best price guarantee

1GB of global data per month¹³

All Plus benefits

Klarna Card in Sticky note on a transparent background

Everywhere

4,99 €/month

Standard included, and:

Physical and virtual Visa card

Pay now or later, everywhere

Two free ATM withdrawals per month¹⁴

Priority phone support—get help first in line

All Everywhere benefits

Virtual pink Klarna card displayed on a smartphone screen with a contactless payment symbol.

Standard

0 €/month

Only available with the Klarna Card

Free virtual card

Free bank account

24/7 customer service

No foreign exchange fees from Klarna

Includes pay now and instalment options

All benefits

¹ Paid membership required for a physical card. A one-time plastic card fee applies.

² Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.

³ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Other limitations, conditions, restrictions and points expiration apply to benefits like Klarna Membership cashback. If you cancel or your renewal payment fails, you will not receive points earned the previous month.

⁴ Account covered by the Swedish Deposit Guarantee Scheme. Max. compensation per customer: EUR 100,000. Compensation is paid by the Compensation Scheme of German Banks (EdB) and made available within 7 business days from the date the right to compensation accrues. Read more here.

⁵ Paid Klarna Membership is required to access Pay Later features. Terms apply.

Account covered by the Swedish Deposit Guarantee Scheme. Max. compensation per customer: EUR 100,000. Compensation is paid by the Compensation Scheme of German Banks (EdB) and made available within 7 business days from the date the right to compensation accrues. Read more here.

⁶ Extend due date is available for eligible orders only. If your order is eligible, the Extend due date option will appear in the app. Fees apply.

⁷ The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.

⁸ Annual Interest, variable. Rate is accurate as of the date of this advertisement and subject to change at any time. See Klarna app for your current rate. Fees may reduce earnings.

⁹ A break fee may apply if you have a metal card and cancel within 6 months. Learn more.

¹⁰ See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your tier.

¹¹ Annual value amount reflects your Membership's total available benefits, such as cashback and discounts. Actual results will vary based on benefit usage.

¹² Insurance and coverage benefits are provided by XCover, a trading name of Cover Genius Europe BV, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.

¹³ Klarna Travel eSIM is provided by Gigs, with Klarna Technologies AB acting as agent on Gigs' behalf. Klarna Travel eSIM Terms and the Gigs End User Service Agreement apply. Prices vary by destination, data allowance, and plan duration. Full price list can be found in the Klarna app.

¹⁴ ATM network fees may apply. Once the allowance is exhausted, Klarna will charge you a standard fee per withdrawal