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

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.

Credit with transparent terms

Flexibility everywhere

Split payments at any store that takes Visa. Get the buying power of a credit card without the revolving debt.

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 Klarna balance⁴

Pay directly with the money in your Klarna balance. 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

Spend from your available credit

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 let you choose whether to pay now or later.

Track your spending

View all your finances in one place. Set budgets, stay on track with reminders.

No credit impact

Applying for the card won't impact your credit score.

Works everywhere

Add your card to Apple Pay or Google Pay and start paying right away.

Real reviews from real people

TrustScore

4.5

607 933 reviews

Customer reviews reflect personal experiences and opinions. A selection of 5-star reviews from our customers.

Kom igång på några minuter

Välj ditt kort och ansök i Klarna-appen.

1. Öppna Klarna-appen

Har du inte appen? Ladda ner den för att komma igång.

2. Skaffa ditt kort

Välj kort och följ stegen för att aktivera kortet på några minuter.

3. Börja betala

Ditt kort är redo att användas direkt. Lägg till det i din digitala plånbok för att använda det överallt där Visa accepteras.

Choose the right card for you

Choose your card design and the membership plan that suits you best, and enjoy exclusive benefits when you travel, shop, and go about your day.

Klarna Card in Rose Gold on a transparent background

30% off for 3 months

Max

549 kr/month

Up to 63 600 kr in annual benefit value

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

Earn extra interest on your savings. Get 2,05% annual interest on your flexible accounts

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

21 subscriptions included

+14

All Max benefits

30% off for 3 months

Premium

199 kr /månad

Upp till 32 400 kr i årligt värde av förmåner

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

Earn extra interest on your savings – get 1,75% annual interest on your Flex accounts⁴

Global travel protection

Exclusive metal card⁸

2GB of global data per month

14 subscriptions included⁹

All Premium benefits

Klarna Card in Black on a transparent background

Plus

99 kr/month

Up to 7 200 kr in annual benefit value¹⁰

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

Purchase and price protection including damage, theft and extended warranties⁷

30-day best price guarantee

1GB of global data per month¹¹

All Plus benefits

Klarna Card in Sticky note on a transparent background

Everywhere

First month free, then 49 kr/month

Standard included, and:

Physical and virtual Visa card

Pay now or later, everywhere

Priority phone support

All Everywhere benefits

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

Standard

0 kr/month

Only available with the Klarna Card

Free virtual card

Free Klarna balance

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 Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. 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: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a 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: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a 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 A break fee may apply if you have a metal card and cancel within 6 months. Learn more.

⁹ See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.

¹⁰ Annual value amount reflects your Membership's total available benefits, such as cashback and discounts. Actual results will vary based on benefit usage.

¹¹ 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.

From Konsumentverket

Borrowing costs money!

If you can't pay back the debt on time, you risk getting a payment default. This can make it hard to rent a place, get a subscription, and get new loans. For support, contact your local budget and debt counseling service. Contact information is available at konsumentverket.se.