A hand tapping a Silver Klarna Card over a contactless payment reader.

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

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 access Klarna Card Pay Later plans. Representative APR 35.1% (fixed). 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.

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

Selecting a payment plan on the Klarna app with options for installments or paying in full.

Credit with transparent terms

Flexibility everywhere

Split payments at any store that takes Visa. Get the buying power of a credit card without the revolving debt.

A black Klarna Card on top of a beach towel.

No FX fees

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.

3 Klarna Cards in Rose Gold, Silver and black.

Cashback⁵ & membership perks

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.

Debit card

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

Option to plan ahead and break up a bigger purchase into smaller payments⁶

Credit card

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.

Pick your card

⁶ 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.

⁷ 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.

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

TrustScore

4.5

607,331 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

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.

Klarna Card in Rose Gold on a transparent background

Get 30% off for 3 months

Max

£44.99/month

Over £6,000 in annual benefit value⁸

Premium included, and:

1.5% cashback on every Klarna purchase—redeem as cash or travel points⁹

4x cashback at featured stores when you shop in the Klarna app⁹

Free unlimited 5G data and 20GB global roaming with Klarna Mobile

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 month

18 subscriptions included

+12

Get Max

All Max benefits

Get 30% off for 3 months

Premium

£19.99/month

Up to £3,600 in annual benefit value⁸

Plus included, and:

1% cashback on every Klarna purchase—redeem as cash or travel points⁹

3x cashback at featured stores when you shop in the Klarna app⁹

Global travel protection¹¹

Exclusive metal card¹²

2GB of global data per month

14 subscriptions included¹³

Get Premium

All Premium benefits

Klarna Card in Black on a transparent background

Plus

First month £0.99, then £9.99/month

Up to £1,200 in annual benefit value⁸

Everywhere included, and:

0.5% cashback on every Klarna purchase—redeem as cash or travel points⁹

2x cashback at featured stores when you shop in the Klarna app⁹

Purchase and price protection including damage, theft and extended warranties¹¹

30-day best price guarantee¹¹

1GB of global data per month¹⁴

Get Plus

All Plus benefits

Klarna Card in Sticky note on a transparent background

Everywhere

First month £0.99, then £4.99/month

Standard included, and:

Physical and virtual Visa card

Pay now or later, everywhere

Priority phone support—get help first in line

All Everywhere benefits

Virtual pink Klarna card displayed on a smartphone screen with a contactless payment symbol.

Standard

£0/month

Only available with the Klarna Card

Free virtual card

Free Klarna balance

24/7 customer service

No foreign exchange fees from Klarna

Includes debit and financing payment options

All benefits

³ Paid membership required for a physical card. A one-time plastic card fee applies.

⁴ 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.

⁵ Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Klarna balance account required to receive cashback. Limitations, terms, conditions, and points expiration apply.

⁸ Annual value amount reflects your Membership's total available benefits, such as subscriptions and discounts. Actual results will vary based on benefit usage.

⁹ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, restrictions, and points expiration apply to benefits like Klarna Membership cashback.

¹⁰ The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.

¹¹ Insurance and coverage benefits arranged by Klarna Premium Services Ltd. and provided by XCover, a trading name of Cover Genius Ltd, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.

¹² A break fee may apply if you have a metal card and cancel within 6 months. Learn more.

¹³ See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.

¹⁴ 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.