Spend smarter with Klarna cards
Use Klarna at any store, online or in person, with two cards to choose from: one for debit, one for credit.¹ Pick the one that suits you best. Upgrade with a membership to get travel perks and additional benefits.²
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 credit with the Klarna Credit Card.
Fair terms. Full control.
Spend abroad like you would at home, with no fees. We removed the foreign exchange fees from Klarna so you can spend freely with both cards.
Your card, your benefits
Choose the membership and perks that fit your lifestyle — higher cashback with your Klarna Card, travel perks, and more.
Debit or credit card. Your call.
Along with your membership, you can get a Visa card that lets you pay with Klarna at any store. Whether you pay now or later, Klarna cards give you flexibility with clear terms. Choose the card that suits you best.
Pay instantly by default
Spend from your Klarna Personal account
Pay directly with the money in your Klarna Personal account.⁴ This option is a debit card with built-in flexibility.
Earn cashback³ on every debit purchase
Purchases authorized in seconds
Pay with debit or financing⁵
Pay monthly by default
Spend from your available credit
This option is a credit card⁶, without revolving credit or complicated fees.
Enable automatic payments and never miss a due date
Pay monthly
Choose to delay a payment or split it over time
Eligibility criteria apply.
Payment flexibility
Both cards give you flexibility to decide how you pay.
Track your spending
View all your finances in one place. Set budgets, stay on track with reminders.
No credit impact
Applying for either card won't impact your credit score.
Works everywhere⁷
Add your card to Apple Pay⁸ or Google Pay⁹ and start shopping right away.
Get started in minutes
Go to the Klarna app
Get your card
Start shopping
¹ The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. Inc. A 28.99% APR applies to all moved or split transactions.
² Klarna Membership offered in partnership with WebBank for a monthly fee. Pay everywhere Visa is accepted. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
³ Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Personal account required. Other limitations, conditions, restrictions, and points expiration apply to benefits like Klarna Membership cashback.
⁴ Deposits in your Personal account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the Personal account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures.
⁵ Apply in advance for monthly financing issued by WebBank. Annual Percentage Rate (APR) ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs.
⁶ The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. Inc.
⁷ Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁸ Klarna payment plans issued by WebBank. Loans not offered by Apple. Subject to eligibility and approval. Software requirements apply. Terms apply.
⁹ Google Pay is a trademark of Google LLC. Klarna loans on Google Pay issued by WebBank.