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.¹
Enjoy flexibility with the Klarna Card
The Klarna Card is a debit card that works from your Personal account², 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
Bigger purchases
Travel costs
For reward-focused shoppers
For flexible decision-makers
Top reasons for a Klarna Card
Flexible payment options
All in one place
No foreign transaction fees
Earn cashback
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¹ Deposits in your Personal account are held at WebBank, Member FDIC. Klarna Card pay later plans issued by WebBank.
² 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.
³ Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Personal account 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.