Klarna Card
Klarna Card

The card. Reimagined.

Finally, premium perks meet financial clarity with Klarna cards.¹ Unlock rewards and flexible payments everywhere Visa is accepted², with smart features designed to help you stay in control of your finances.

No credit check to apply. Ready in minutes.

Sign up

¹ 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).

Smooth hand
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.

Klarna card in the sand
No surprise fees

Fair terms. Full control.

No foreign transaction fees. We cut the hidden costs so you can spend freely. Your money belongs in your pocket.

card
Cashback³ & perks

Tailor your own card

From card finish to cashback level, you call the shots. Pick the membership⁴ and perks that suit you.

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 those 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 instalments⁵

Add money to your balance instantly

Get perks and cashback with your membership³

Credit card

Pay later & stay in control

Pay monthly by defaultSpend from your connected bank

For those 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 time⁶

Eligibility criteria apply

⁵ Service fee or a paid membership required to access Klarna Card Pay Later plans. Pay in 3 Loans with a service fee are regulated credit agreements. Representative APR 38.75%. 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.
⁶ 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). 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). 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.

Real reviews from real people

4.5 out of 5 star rating on Trustpilot
TrustScore
4.5
|
557,967 reviews

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

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*

—

Exclusive metal card

Choose from black metal, white gold, or rose gold

—

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 3⁷

—

Free

Instalment 3-12 months⁸

27.9% APR

27.9% APR

 
Choose debit
Choose credit
  • Market
  • Follow

Copyright © 2005-2026 Klarna. Klarna Financial Services UK Limited is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889) and the provision of payment services and the issuing of electronic money under the Electronic Money Regulations 2011 (firm reference number 1021834). Klarna Financial Services UK Limited offers both regulated and unregulated products. Klarna’s interest free and pay up to 12 months Financing agreements, Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.

Cookie policyKlarna.com