The card. Reimagined.
Finally, premium perks meet financial clarity with Klarna cards. Unlock rewards and flexible payments everywhere Visa is accepted, with smart features designed to help you stay in control of your finances.
No annual fees. No credit check to apply. Ready in minutes.
Sign up in the app:
Klarna Credit Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).
Credit with transparent terms
Flexibility everywhere
Split payments at any store that accepts Visa. Get the buying power of a credit card with smart ways to stay in control of how you pay.
No suprise fees
Fair terms. Full control.
No annual fee. No foreign transaction fees. We cut the hidden costs so you can spend freely. Your money belongs in your pocket.
Cashback¹ & perks
Tailor your own card
From card finish to cashback level, you call the shots. Get a membership² for premium perks or keep it essential. Only pay for benefits that matter.
¹ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna Balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.
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.
Debit or credit. Your call.
Whether you pay now or later, our cards give you clear costs and flexibility. Choose the card that fits how you like to pay. You can always switch later.
Debit card
Pay now & earn cashback¹
Debit by defaultSpend from your Klarna balance
For you that prefer to pay direct with the money you have. This option works like a debit card with built-in flexibility.
Additional benefits:
Apply in advance to pay in 3 instalments³
Add money to your balance instantly
Add a membership for perks and cashback¹
Credit card
Pay later & stay in control
Pay monthly by defaultSpend from your connected bank
For you that prefer to shop now and pay later. This option works as a credit card, without revolving credit or complicated fees.
Additional benefits:
Enable automatic payments and never miss a due date
Switch to a monthly invoice for all purchases, interest-free
Choose to delay a payment or split it over time⁴
Eligibility criteria apply
³ Klarna’s Pay in 3 and Pay in 30 days is not regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
⁴ If you want to spread a payment due under your Klarna Credit Card, you can convert it into a payment plan over 3, 6, or 12 months, to be repaid in monthly instalments. Interest is payable on conversions at a rate of 27.9% (fixed). Borrowing more than you can afford, or paying late, may make it harder to get credit in the future. Credit subject to status. 18+. UK residents only. Representative example: 27.9% APR representative based on a loan amount of £1,200 repayable over 12 months at an interest rate of 27.9% p.a. (Fixed). Monthly repayment of £127.90 and a total amount payable of £1,534.80. Total charge for credit £334.80. T&Cs and late fees apply.
Payment flexibility
Both cards give you flexibility to decide how you pay for each purchase.
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 shopping right away.
Shoppers love Klarna
114 + million people love to shop and pay with Klarna anywhere.
"Fabulous way to spread the cost of shopping. very straight forward to use"
Paul - 10th of June 2025
"I would recommend Klarna any day, any time. It’s by far the best money app ever made. It’s flexible and easy to use, good financing with tailor made customer service. Use it and you will thank me later"
Solomon - 4th of June 2025
"Klarna are brilliant! Very helpful when I had to send a product back to ebay. Very reassuring and easy to manage payment plan offered.. Also refunded promptly. Very satisfied customer."
Donna - 1st of June 2025
"Excellent customer service. I was so pleased with their efficiency in dealing with my issue."
Kelle S - 3rd of June 2025
" I absolutely love the freedom and simplicity of this app, so easy to keep track of every transaction and it makes you feel safe and protected. Brilliant app and I would recommend Klarna time and time again. "
Martin - 15th of February 2025
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
We don’t charge you to spend your own money
Traditional banks often charge fees that are easy to miss. With Klarna, costs are shown upfront and you pay fewer fees overall.
Other banks | Klarna | |
Annual card fees | ✓ | £0 |
Foreign exchange fees | 1-3% | 0% |
Overdraft fee | ✓ | ✕ |
Revolving credit | ✓ | ✕ |
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. Head to the Wallet tab to find your card.
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.
Pick the card that’s right for you
Compare debit and credit cards with membership benefits, and choose the option that fits how you want to pay and the benefits you want.
Debit card
Credit card
Cashback
Up to 1% on every debit purchase*
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Exclusive metal card
Choose from black metal, white gold, or rose gold
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Subscriptions
Up to 18 subscriptions*
Up to 18 subscriptions*
Lounge access
+1800 lounges worldwide*
+1800 lounges worldwide*
Protection
Travel, shopping*
Travel, shopping*
Monthly invoice
—
Free
Pay in 3³
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Free
Installment 3-12 months⁶
27.9% APR
27.9% APR
Ready to shop smarter? Get your card today.
Use your card to shop anywhere Visa is accepted worldwide.
Sign up in the app: