One credit card statement. Up to 45 days interest-free.
Put everything on your Klarna Credit Card¹, then pay in full or spread eligible purchases over time.² Up to 45 days interest-free and one clear monthly statement.
¹ Paid membership required to be eligible for a Klarna Credit Card. Borrowing more than you can afford, or paying late, may make it harder to get credit. Credit subject to status. T&Cs and late fees apply. Representative APR 9.5% (variable).
² Paid membership required to be eligible for a Klarna Credit Card. Borrowing more than you can afford, or paying late, may make it harder to get credit. Credit subject to status. T&Cs and late fees apply.
Representative APR 9.5% (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.
Why choose the Klarna Credit Card
Up to £10,000 credit limit
0% foreign exchange fees
Up to 1.5% cashback
Works everywhere
Pay your statement your way
Your statement starts
Decide how to pay
0% FX fees. Abroad and online.
You can use your Klarna Credit Card anywhere in the world Visa is accepted. Shop securely and flexibly in any currency at home or abroad, in-store and online, with no foreign exchange fees from Klarna.
Enjoy 0% Pay in 3 on your credit card
Get the flexibility of 3 interest-free instalments² on your purchases with a Klarna membership.⁴ Spread the cost of the things you want, pay 0% interest, and see exactly what you’ll pay before you confirm.
Get even more out of your card
Cashback on every purchase, subscriptions⁵, world-class travel and purchase protection⁶, and more with a Klarna membership.⁴ From £4.99 to £44.99 a month.
Max
Everything from Premium, and:
1.5% cashback on every Klarna purchase—redeem as cash or travel points⁸
4x cashback at featured stores when you shop in the Klarna app⁸
Free unlimited 5G data and 20GB global roaming with Klarna Mobile⁹
Unlimited complimentary access to 1,500+ airport lounges
Cancel for any reason—70% refund on trips and events canceled ≥ 24 hours before¹⁰
5GB of global data per month¹¹
21 subscriptions included⁵
Premium
Everything from Plus, and:
1% cashback on every Klarna purchase—redeem as cash or travel points⁸
3x cashback at featured stores when you shop in the Klarna app⁸
Global travel protection⁶
Exclusive metal card¹²
2GB of global data per month¹¹
11 subscriptions included⁵
Plus
Everything from Everywhere, and:
0.5% cashback on every Klarna purchase—redeem as cash or travel points⁸
2x cashback at featured stores when you shop in the Klarna app⁸
Purchase and price protection including damage, theft and extended warranties⁶
30-day best price guarantee⁶
1GB of global data per month¹¹
Everywhere
Physical and virtual Visa card¹³
Pay in 3 purchases included¹⁴
No foreign exchange fees from Klarna
Priority phone support—get help first in line
¹⁴ Paid membership required to access Klarna Card Pay Later plans. Representative APR 35.1%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Get started in minutes
Go to the Klarna app
Activate your card
Start paying with it
Frequently asked questions
Questions on how to use the Klarna Credit Card? Find your answers below. For any further help or troubleshooting, please contact customer service.
Sign up for the Klarna Credit Card through the Klarna app. To be eligible for the Klarna Credit Card, you need to meet the following criteria:
Be at least 18 years of age
Be a UK resident
Have purchased with Klarna at least once and repaid it on time
Pass the credit assessment, based on internal and external credit check
If you don’t see the possibility of applying for a Klarna Credit Card, unfortunately it means that we can not offer it to you at the moment.
Please note: A hard check will be performed if you get the card. A hard credit check will appear on your credit history and might affect your credit score.
How much you can spend is reassessed on a real-time basis. You can view your current available amount to spend - Available Purchase Power - anytime in the Klarna App. It can increase or decrease over time depending on your repayment history and outstanding purchases with Klarna. Your Purchase Power takes into account all your purchases with Klarna - not just the Klarna Credit Card - in order to give you more transparency and control over how much you can spend. You may reduce your limit below what we have offered you.
You can shop with the Klarna Credit Card anywhere Visa is accepted. This means that you can shop safely with Klarna in stores and online. You can also use the Klarna Credit Card abroad without additional exchange fee from Klarna.
You cannot use the Klarna Credit Card to withdraw cash from an ATM.
Yes. There's Section 75 protection on eligible purchases made with your Klarna Credit Card. It means you can apply for a reimbursement in some situations if something goes wrong with a purchase that was done with a Klarna Credit Card. The purchase of goods or services must be between £100 and not more than £30,000 and weren’t paid for through an agent or third party.
Yes, a hard credit check is performed when getting the Klarna Credit Card. This check will appear on your credit history and might affect your credit score.
We report your use of the Klarna Credit Card to a Credit Reference Agency, called Experian.
Reporting will include missed purchases with any chosen repayment option in the app if the purchase was made with Klarna Credit Card.
So if you pay us late, we may provide details of your late payment or failure to pay us to credit reference agencies, who may update your credit record accordingly. This could negatively affect your credit rating, making it more difficult or expensive for you to obtain credit in the future.
To avoid late payment fees and negative credit reporting, it's important to make your payments on time and in full. You can set up automatic payments to help ensure you don't miss a payment. Look for “AutoPay” in the Klarna Credit Card settings in the App.
Yes, both Apple Pay and Google Pay are supported. It also works with your virtual and physical cards.