Get Klarna on a Visa card
Choose how you pay for every purchase—at a coffee shop, mall, or restaurant. Sign up in 60 seconds and start using it today.
Coming soon: Pay in 4
Everything you love about Klarna, everywhere
Unlock the features of the Klarna Card, powered by Visa:
Choose to pay in full, later, or in parts
Skip the service fee when you shop in the Klarna app
Earn cashback in the Klarna app
The card is free to get and you don’t pay any annual fees*
Coming soon: Choose to convert purchases to Pay in 4 — FREE
How Klarna Card works
All your purchases are bundled to a monthly statement in the app, where you can pay purchases off automatically or manage individually.
Pay later
Pay your whole balance at the end of the month interest-free.*
Move to next month
Need a little bit more time to pay? Choose a purchase and move it to the next month’s statement.*
Pay over 3 or 6 months
Make bigger purchases more manageable by spreading the cost.* You’ll always know the amount to repay in the app.
Earn cashback
Earn cashback at hundreds of top stores and brands when you shop in the Klarna app.
Join millions already paying with Klarna
85M
Klarna users worldwide
4M+
users waiting for the Klarna Card
Visa
Secured transactions
Smarter than the average credit card
Get flexibility without carrying over your balance and letting it grow. You’re in control with clear due dates in the app, and no annual fees or interest* when you repay your balance every month. If there’s interest for other payment options, you’ll always know upfront.
Get more from your Klarna Card
Together with the Klarna app, you can track purchases, manage your finances, and more.
Find a great deal
Search and compare prices across stores. Get a great deal with Klarna Card at any store.
Track your spending
Track and manage all your finances easily, in the Klarna app with Money Manager.
Ask me anything
Ask the Klarna Card AI assistant anything, and get the answers you need instantly.
Questions?
Sign-up for the Klarna Card through the Klarna app or website. Get your virtual Klarna Card within minutes. It will be active and ready to use right after it's created. You can add your virtual Klarna Card to Apple Pay or Google Pay and start using Klarna where Visa is accepted.
If at the end of sign-up, you get a message saying that you are ineligible for the Klarna Card, unfortunately, you can not get the card at the moment. Your eligibility status could change, so you can try applying for the Klarna Card again in the future.
Eligibility requirements include:
Be at least 18 years of age.
Be a US resident.
Have purchased through Klarna at least once and paid on time.
Pass the credit assessment, based on a soft credit check.
The Klarna Card is available in the 50 US states, plus the District of Columbia. It is not available in Puerto Rico, the US Virgin Islands, or any other US territories.
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 Purchase Power anytime in the
.Yes, both Apple Pay and Google Pay are supported. It also works with your virtual and physical cards.
Bring some Klarna with you, on a card, everywhere
Take the Klarna Card shopping where Visa is accepted—then pay at the end of the month, the next month, or pay over time. It’s up to you.
The Klarna Card is issued by WebBank pursuant to a license from Visa U.S.A. Convert any purchase to Pay in 4 issued by Klarna Inc. CA Resident Loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. *28.99% APR applies to all moved or split transactions.