How different shoppers use the Klarna Card
The Klarna Card wasn't built for one type of shopper — it was built for everyone. Whether you're tapping to pay for your morning coffee, splitting a bigger purchase, or booking flights on the other side of the world, it fits the way you actually spend. One card. Your rules.¹
Enjoy flexibility with the Klarna Card
The Klarna Card is a debit card that works from your Klarna balance², and it does a lot more than just pay. Here's what you unlock:
Pay directly from your preloaded balance. No surprises, no overspending
Earn cashback with a membership on every debit purchase you make³
Pay later when you need that extra breathing room
Instant premium benefits, unlocked with memberships⁴
Full control over how you pay, every single time
How can you use your Klarna Card?
Everyday spending
The Klarna Card is made for the way you shop day-to-day. Add money, tap to pay, and earn as you go, online or in store. Simple.
Bigger purchases
Got something larger on your list? Apply for a pay later plan before you shop and spread the cost into payments that actually work for your schedule.
Travel costs
Flights. Hotels. Unexpected costs. The Klarna Card handles bigger travel expenses with ease. Manage bookings flexibly and pay wherever Visa is accepted.
For reward-focused shoppers
If rewards matter to how you spend, the Klarna Card has you covered. Sign up for a membership plan and earn cashback on eligible purchases, plus unlock perks like global travel benefits and subscription offers.⁵
Everything lives in your Klarna account. No separate programs to manage, no rewards that go missing. Just enroll in a membership, use your card, and watch your cashback and perks stack up, all tracked right in the app.
The more you use it, the more it gives back.
For flexible decision-makers
Pay now or pay later. With the Klarna Card, that call is always yours. Use your Klarna balance to pay instantly, or apply for a pay later plan in the app before you shop. Once your purchase is complete, your card automatically switches back to debit mode.
One card. No juggling between accounts. No friction.
Top reasons for a Klarna Card
Flexible payment options
All in one place
No foreign transaction fees
Earn cashback
Related articles
Pay now vs. pay later: choose what works for you
How Klarna fits into your financial routine
What are the benefits of having a Klarna balance?
Vacation now, pay later
Get your card today
Sign up in the app:
¹ Deposits in your balance account are held at WebBank, Member FDIC. Klarna Card pay later plans issued by WebBank.
² Deposits in your balance 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 balance 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.
³ Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Balance required. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
⁴ Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
⁵ See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.