Pay with Klarna everywhere¹
Get the card and pay flexibly anywhere Visa is accepted—online and in-store. Choose debit to pay in real-time from your balance, or plan a purchase if you want to pay later.²
Sign up in seconds for free. No credit impact when applying.
Apply now:
The wait is over
5 million asked. Now it’s here for everyone.
Terms and conditions apply. Refer to disclosures at the bottom of this page for more information.
Pay later with a tap
Want to split your purchase? Simply tap "Plan a purchase" in the app, choose the plan that works for you, and use your card wherever Visa is accepted.³
Works like a debit card when you need it
Add money to your Klarna balance and experience lightning-fast payments—online and in-store.¹ Plus, earn cashback on every purchase with a membership plan when you shop with your card.⁴
No credit impact to apply
Applying for a pay later plan won’t impact your credit score. Simply open the Klarna app, pick a color for your free card, and start using it in seconds.
Get started in 60 seconds
Pick your card color and benefits in the app.
Go to the Klarna app
Don’t have the app yet? Download it to get started. Head to the Wallet tab to find your card.
Activate your card
Start by choosing your card color and follow the steps to activate your card in 60 seconds.
Start shopping
Your card is ready to use right away. Add it to your digital wallet to shop anywhere Visa is accepted.¹
Use your card on Apple Pay
In-store
1. Ensure your Klarna Card is added to your Apple Wallet.⁵
2. When shopping in-store, double-click the side button of your iPhone and select your Klarna Card.
3. Select Pay Later Options and follow the steps to choose a plan that works best for you.
4. Hold your iPhone near the reader to complete your purchase.
Online & in-app
1. Ensure your Klarna Card is added to your Apple Wallet.
2. Tap the Apple Pay button at checkout.
3. Go to “Other Cards & Pay Later Options” to select your Klarna Card.
4. Follow the steps to choose a plan that works best for you.
5. Complete your purchase securely with Face ID, Touch ID, or your passcode.
One account. Endless opportunities.
When you apply for the card, you’ll automatically get access to Klarna balance, your built-in money account. Add funds, shop smarter, and earn more—it all comes together with your card.
Pick a membership plan and your perks
Stay on our free Standard plan, or upgrade your membership plan when you activate your card. Enjoy perks like cashback, interest on your Klarna balance, exclusive deals, and more when you upgrade.
Learn more about using the Klarna Card
How do I get the Klarna Card?
Add money to your balance
Start shopping
Splitting your payments online
Splitting your payments in-store
How to use the Klarna Card
Terms and conditions apply. Refer to disclosures at the bottom of this page for more information.
Frequently asked questions
Questions on the Klarna Card? Find your answers below. For any further help or troubleshooting, please contact customer support.
1. What is the Klarna Card?
The Klarna Card is a flexible payment option that lets you pay directly from your Klarna balance like a debit card or pay later —giving you more control over your finances.
2. Does getting the card impact my credit score?
No, applying for the Klarna Card does not affect your credit score.
3. Who can get the card?
To be eligible, you must be a U.S. resident with a valid U.S. address, be at least 18 years old, and have a valid Social Security Number (SSN).
4. Does the card have any monthly or annual fees?
No, there are no monthly or annual charges with the Klarna Card. Charges may apply for using pay later plans or enrolling in a paid Klarna membership plan.
5. Where can I use the Klarna Card?
You can use your Klarna Card anywhere Visa is accepted.¹ If you have a virtual card, you can shop online or in-store wherever contactless Visa payments are accepted by adding the card to your digital wallet. A physical card is included with a membership plan.
1. How do the two payment modes work?
Debit mode: Pay instantly using your Klarna balance, just like any debit card.
Pay later mode: Apply for a pay later plan for your next purchase and choose to pay from your Klarna balance or a connected card.
2. How do I switch between debit and pay later mode?
Switching is simple and instant in the Klarna app. Just tap "Plan a purchase" and request your preferred payment option before your next purchase. After you complete a pay later purchase, the card is automatically set back to debit mode.
3. Do I need to have money in my Klarna balance to use the card?
Only for debit mode—the card uses funds from your Klarna balance, just like a regular debit card. For pay later mode, you don’t need money in your Klarna balance. You can choose to fund the payment plan using either your Klarna balance or a connected card.
4. Can I change the payment mode after I've made a purchase?
Not yet. Soon, you'll be able to convert debit purchases into pay later plans. For now, be sure to select your preferred payment method before completing your purchase.
5. Can I change the amount in my current pay later plan?
In case of a higher purchase amount: You must cancel the plan you’ve set and then create another plan for the full purchase amount.
In case of a lower purchase amount: No worries – you’ll only be billed for what you end up using, including the service fee.
6. How do I create a new pay later plan if Amazon hasn't processed my previous order yet?
If you've already used your Klarna pay later plan on Amazon and want to make a new purchase, first tap “Options” on your current plan, then select “Create a new plan”. Klarna will mark your previous plan as processing, allowing you to set up a new one immediately. Your original plan will automatically update once Amazon completes processing your order.
7. How do I use debit mode?
Simply add funds to your Klarna balance and use your card as you would any regular debit card.
8. How do automatic top-ups work?
In the Klarna app, tap your Klarna Card and activate automatic top-ups. Set your top-ups to occur regularly or whenever your balance drops below an amount you choose.
1. When will I be charged for a pay later plan?
You'll only be charged after you make a purchase and the merchant processes the payment.
2. How do repayments work with pay later plans?
Your scheduled repayments are clearly shown in the Klarna app Purchases tab just like any purchase.
3. How do I cancel a pay later plan?
In the Klarna app, tap on the plan you created, and select “Cancel plan”.
4. Are there fees for using the Klarna Card?
There are no annual fees, and using the card in debit mode is free. Pay later options clearly display any fees or interest upfront in the app. Charges may apply when enrolling in a paid Klarna membership plan.
5. What if a payment doesn't go through?
If a payment fails, we'll immediately notify you in the app. You can retry the payment or easily contact our support team for assistance.
1. Can I use my Klarna Card abroad?
Yes, your card works internationally, making shopping abroad easy and convenient.
2. How do I track my spending?
All transactions—debit or pay later—are clearly tracked in the Klarna app.
3. Is the Klarna Card secure?
Yes, your card has robust security features, including real-time alerts and the ability to freeze your card instantly from the Klarna app.
Start shopping with Klarna everywhere
Use your card to shop anywhere Visa is accepted worldwide. Enjoy flexible payments with no monthly or annual fees, and no credit impact when you apply.
Apply now:
¹ Anywhere Visa is accepted. Certain merchant, product, goods and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
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.
³ Klarna Card pay later plans/payment plans issued by WebBank.
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 Klarna on Apple Pay is available in-store on iPhone and online or in apps on iPhone or iPad. Software requirements apply. Use Klarna with a service fee between $0.75-$3 issued by WebBank. For example: a $160 purchase with a $40 down payment and $2 service fee results in a 21.97% APR, followed by three more biweekly payments of $40 (total repayment: $162). Subject to credit approval; minimum 25% down payment required. See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. Paying over time on Apple Pay: Loans/plans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Your loan/plan activity may be reported to credit bureaus by your lending/plan provider, which may affect your credit score. The availability of your loan/plan may have an expiration date. Available with Apple Pay in stores on iPhone, and online and in apps on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see Pay with installments using Apple Pay. To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets. View Apple Pay countries and regions. Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. Klarna on Apple Pay is available in-store on iPhone and online or in apps on iPhone or iPad. Software requirements apply. Use Klarna for Pay in 4 with a service fee between $1.29–$5.99, issued by WebBank. For example: a $248 purchase with a $62 down payment and a $4.99 service fee results in a 35.68% APR, followed by three additional biweekly payments of $62 (total repayment: $252.99). Subject to credit approval; minimum 25% down payment required. For monthly financing, rate 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. Paying over time on Apple Pay: Loans/plans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Your loan/plan activity may be reported to credit bureaus by your lending/plan provider, which may affect your credit score. The availability of your loan/plan may have an expiration date. Available with Apple Pay in stores on iPhone, and online and in apps on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see Pay with installments using Apple Pay. To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets. View Apple Pay countries and regions. Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.