Spend smarter with Klarna cards
Use Klarna at any store, online or in person. Available as a credit¹ or debit card.² Choose the card that suits you best.³ Upgrade your membership to get cashback and additional benefits.⁴
Why choose a Klarna card
Flexibility everywhere
Split payments at any store that takes Visa. Get the buying power of a credit card without the revolving debt.
Fair terms. Full control.
Spend abroad like you would at home, with no fees. We removed the foreign exchange fees from Klarna when you pay with Klarna Card so you can spend freely.
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.
Pay instantly by default
Spend from your Klarna balance
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 with debit or financing⁶
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 instalments⁷
Choose to delay a payment or split it over time
Eligibility criteria apply. Requires a Klarna membership.
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.
Get started in minutes
Choose your card and sign up in the Klarna app.
1. Go to the Klarna app
Don't have the app yet? Download it to get started.
2. Get your card
Pick your card to apply and follow the steps to activate your card in minutes.
3. 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 right card for you
Select the card and membership that fits you, from everyday spending to elevated lifestyle benefits.
Standard
Free virtual card
Free Klarna balance
24/7 customer service
No foreign exchange fees from Klarna
Includes debit and financing payment options
Everywhere
Standard included, and:
Physical and virtual Visa card
Pay now or later, everywhere
Priority phone support—get help first in line
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 warranties⁹
30-day best price guarantee
1GB of global data per month¹⁰
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
Global travel protection
Exclusive metal card¹¹
2GB of global data per month
14 subscriptions included¹²
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
Unlimited complimentary access to 1,900+ airport lounges
Cancel for any reason—70% refund on trips and events canceled ≥ 24 hours before¹³
5GB of global data per month
18 subscriptions included