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
Fair terms. Full control.
Your card, your benefits
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.
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
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.
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.
Get started in minutes
Go to the Klarna app
Get your card
Start shopping
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.
Max
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
Premium
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
Plus
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
Everywhere
Standard included, and:
Physical and virtual Visa card
Pay now or later, everywhere
Priority phone support
Standard
Free virtual card
Free bank account
24/7 customer service
No foreign exchange fees from Klarna
Includes pay now and instalment options
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: 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.
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.