Your credit score will not be affected when you apply for or use the Klarna Card. This is because only a soft credit check is performed when you apply for the Klarna Card.

Attach your debit card as a funding source, shop what you love, and your purchase will be split into 4 interest-free payments. Enroll in Autopay or make interest-free payments manually every 2nd Friday. There’s a $4.99 monthly fee to keep your Card activated. Stay on top of payments, and rewards, in the app.

The Klarna Card is a virtual Visa card that you can use to make purchases. You can make purchases online directly using the card at a retailer’s checkout or by adding it to Apple Pay or Google Pay. You can use your virtual Klarna card anywhere Visa is accepted.

In store
You can use your virtual Klarna Card in stores by adding it to Apple Pay or Google Pay. You can use your digital wallet wherever you see these symbols:

Online
Your card will automatically be available to use when shopping in the Klarna app. You can also use your virtual Klarna Card with any online retailer just like a credit or debit card.

Your virtual card works just like a physical card except you use it through a digital wallet on your devices or directly on store websites.
However, you may find some stores will only accept physical cards. If you do get a physical card, it will be separate from your virtual card. You’ll see a different card number, expiration date and CVV number for each card. You can order a physical Klarna Card in the Klarna app on Klarna Card home page.

Unlike the Klarna One-time card, you can use the virtual Klarna Card whenever you need it, repeatedly. You don’t need to create a new card each time. You can also use the virtual Klarna Card in-store as well as online, giving you more freedom.

You can create and use one virtual Klarna Card at a time. If you believe your card data has been compromised, simply cancel your virtual Klarna Card and create a new one in the Klarna app on the Klarna Card home page.

• $4.99 monthly fee to keep your Card activated.

• Pay in 4 - No interest. Split your purchases into 4 interest-free payments. Pay all of your due payments as a bundle every other Friday.

• Pay in 4 - Late fees apply in case of missed payments. You can enroll in Autopay and turn on reminders to stay on top of your payments.

• Currency exchange - No fees. Use the Klarna Card worldwide, everywhere Visa is accepted with no additional currency exchange fees added on top.

The amount that you can spend is reassessed on a real-time basis. It can increase or decrease over time depending on your repayment history and outstanding purchases. You can view your current limit - Purchase Power - anytime in the Klarna App.

To become eligible for rewards on the Klarna Card, you must sign up to the Klarna rewards club in the Klarna app. After joining the club, rewards are earned through completing actions - missions. More rewards on the Klarna Card will become available soon.

Add your Klarna Card to the Apple Wallet on your iPhone. You can do this via the Klarna app or directly in Apple Wallet. Add the card to your Apple Watch, iPad, or Mac and shop with Apple Pay wherever you see these symbols:

With the card linked to Apple Pay, pay easily by tapping your mobile phone or smartwatch.