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.
Why choose a Klarna card
Fair terms. Full control.
Your card, your benefits
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
Option to plan ahead and break up a bigger purchase into smaller payments⁶
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.
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.
Get started in minutes
Go to the Klarna app
Get your card
Start shopping
Pick the right card for you
Select the card and membership that fits you, from everyday spending to elevated lifestyle benefits.
Max
Premium included, and:
1.5% cashback on every Klarna purchase—redeem as cash or travel points⁵
4x cashback at featured stores when you shop in the Klarna app⁵
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 before⁹
5GB of global data per month
18 subscriptions included
Premium
Plus included, and:
1% cashback on every Klarna purchase—redeem as cash or travel points⁵
3x cashback at featured stores when you shop in the Klarna app⁵
Global travel protection¹⁰
Exclusive metal card¹¹
2GB of global data per month
14 subscriptions included¹²
Plus
Everywhere included, and:
0.5% cashback on every Klarna purchase—redeem as cash or travel points⁵
2x cashback at featured stores when you shop in the Klarna app⁵
Purchase and price protection including damage, theft and extended warranties¹⁰
30-day best price guarantee¹⁰
1GB of global data per month¹³
Everywhere
Standard included, and:
Physical and virtual Visa card
Pay now or later, everywhere
Priority phone support—get help first in line
Standard
Free virtual card
Free Klarna balance
24/7 customer service
No foreign exchange fees from Klarna
Includes debit and financing payment options