The card. Reimagined.
Finally, premium perks meet financial clarity with Klarna cards. Unlock rewards and flexible payments everywhere Visa is accepted, with smart features designed to help you stay in control of your finances.
No credit check to apply. Ready in minutes.
Flexibility everywhere
Split payments at any store that accepts Visa. Get the buying power of a credit card with smart ways to stay in control of how you pay.
Fair terms. Full control.
No foreign transaction fees. We cut the hidden costs so you can spend freely. Your money belongs in your pocket.
Tailor your own card
From card finish to cashback level, you call the shots. Pick the membership and perks that suit you.
Debit or credit. Your call.
Whether you pay now or later, our cards give you clear costs and flexibility. Choose the card that fits how you like to pay. You can always switch later.
Pay now & earn cashback
Debit by default
Spend from your Klarna balance
For those that prefer to pay direct with the money you have. This option works like a debit card with built-in flexibility.
Additional benefits:
Apply in advance to pay in 3 instalments
Add money to your balance instantly
Get perks and cashback with your membership
Pay later & stay in control
Pay monthly by default
Spend from your connected bank
For those that prefer to shop now and pay later. This option works as a credit card, without revolving credit or complicated fees.
Additional benefits:
Enable automatic payments and never miss a due date
Switch to a monthly invoice for all purchases, interest-free
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 for each purchase.
Track your spending
View all your finances in one place. Set budgets, stay on track with reminders.
No credit impact
Applying for the card won't impact your credit score.
Works everywhere
Add your card to Apple Pay or Google Pay and start shopping right away.
We dont charge you to spend your own money
Traditional banks often charge fees that are easy to miss. With Klarna, costs are shown upfront and you pay fewer fees overall.
Other banks | Klarna | |
Foreign exchange fees | 1-3% | 0% |
Overdraft fee | ||
Revolving credit |
Get started in minutes
Choose your card and sign up in the Klarna app.
1. Go to the Klarna app
Don't have the app yet? Download it to get started.
2. Get your card
Pick your card to apply and follow the steps to activate your card in minutes.
3. Start shopping
Your card is ready to use right away. Add it to your digital wallet to use it anywhere Visa is accepted.
Pick the card thats right for you
Compare debit and credit cards with membership benefits, and choose the option that fits how you want to pay and the benefits you want.
Debit card
Credit card
Cashback
Up to 1% on every debit purchase*
Exclusive metal card
Choose from black metal, white gold, or rose gold
Subscriptions
Up to 18 subscriptions*
Up to 18 subscriptions*
Lounge access
+1800 lounges worldwide*
+1800 lounges worldwide*
Protection
Travel, shopping*
Travel, shopping*
Monthly invoice
Free
Pay in 3
Free
Instalment 3-12 months
27.9% APR
27.9% APR
* Paid membership is required. Learn more at https://www.klarna.com/uk/memberships/
Service fee or a paid membership required to access Klarna Card Pay Later plans. Pay in 3 loans with a service fee are regulated credit agreements. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Borrowing more than you can afford, or paying late, may make it harder to get credit. Credit subject to status. T&Cs and late fees apply.
Representative APR 0.0% (variable). If you want to spread a payment due under your Klarna Credit Card, you can convert it into a payment plan over 3, 6, or 12 months, to be repaid in monthly instalments. Interest is payable on conversions at a rate of 27.9% (fixed). Representative example: 27.9% APR representative based on a loan amount of 1,200 repayable over 12 months at an interest rate of 27.9% p.a. (Fixed). Monthly repayment of 127.90 and a total amount payable of 1,534.80. Total charge for credit 334.80. T&Cs and late fees apply.
Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
Service fee or a paid membership required to access Klarna Card Pay Later plans. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
Borrowing more than you can afford, or paying late, may make it harder to get credit. Credit subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Borrowing more than you can afford, or paying late, may make it harder to get credit in the future. Credit subject to status. A downpayment of 10% or higher may be required.
Klarna Financing has a representative 21.9% APR (fixed). Representative example: 21.9% APR representative based on a loan amount of 1200 repayable over 12 months at an interest rate of 21.9% p.a. (Fixed). 11 monthly payments of 111.15 and last payment of 209.47. Total amount payable of 1,332.12. Total charge for credit 132.12. Minimum and maximum purchase amount 250 - 10,000. Lender: Klarna Financial Services UK Limited (nr 14290857). T&Cs and late fees apply.