Klarna Credit card
The smarter credit card
The credit card that lets you choose how to pay for each purchase with clear terms—Pay in 4, in full or over time.
Shop anywhere Visa is accepted with no monthly or annual fees.¹ No credit impact to apply—start shopping in 60 seconds.
Apply now for free:
Pay in 4, interest-free
Shop securely anywhere Visa is accepted and spread the cost over 4 interest-free payments.¹ Convert your purchase within 12 hours in the app, pay bi-weekly over 6 weeks.
Apply now for free:
Get started with a few taps
Sign up for free in 60 seconds, and start using your card right away.
Apply with no credit impact
Go to the Klarna app and activate your Klarna Credit Card in 60 seconds with no monthly or annual fees¹ and no credit impact to apply.
Make a purchase with your card
Your card will be ready in the app—add it to a digital wallet to start shopping online and in-store anywhere Visa is accepted.
Choose how to pay per purchase
Tap on a Klarna Credit Card purchase in the app and choose the payment plan that works best for you—choose to pay in 4, in full, or over time.
Call the shots with flexible payments
With the Klarna Credit Card, you choose how you want to pay for each purchase. Pick the plan that works best for you.
Pay in 4—interest free
Spread the cost over 4 instalments—interest-free. Convert a purchase in the app within 12 hours, and only pay 25% of the total upfront. Pay the rest bi-weekly over 6 weeks.¹
Pay in full or later
Choose to pay the full amount today or pay your whole balance at the end of the month—interest-free.
Move to the next month
Need a little bit more time to pay? Choose a purchase and move it to the next month’s statement.¹
Pay over 3 to 18 months
Make bigger purchases more manageable by spreading the cost. Choose to pay over 3, 6, 12 or 18 months.¹
Globally accepted
You can use your card anywhere in the world Visa is accepted. Shop securely and flexibly at home or abroad, with no foreign exchange fees. Order your free physical card in the app to shop at even more places.
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Spend smart, earn cashback
Get up to 10% back every time you shop. Earn cashback at hundreds of top stores and brands whenever you make a purchase via the app.²
Frequently asked questions
Questions on how to use the Klarna Credit Card? Find your answers below. For any further help or trouble-shooting, please contact customer support.
Apply for the Klarna Credit Card through the Klarna app or website. Get your virtual Klarna Credit Card within minutes. It will be active and ready to use right after it's created. You can add your virtual Klarna Credit 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 Credit Card, unfortunately, you can not get the card at the moment. Your eligibility status could change, so you can try applying for the Klarna Credit 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 Credit 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. Applications are currently unavailable in Wisconsin.
Yes, both Apple Pay and Google Pay are supported. It also works with your virtual and physical cards.
You can shop with the Klarna Credit Card anywhere Visa is accepted. This means that you can shop safely with Klarna in stores and online. You can also use the Klarna Credit Card abroad without additional exchange fee from Klarna.
You cannot use the Klarna Credit card to withdraw cash from an ATM.
After you make a minimum $30 purchase with your Klarna Credit Card, you can convert an eligible transaction into four interest-free payments in the Klarna app. You’ll have 12 hours after each eligible purchase to select this option. Once approved, your payment plan will be applied to the purchase, and your first installment will be charged at the time of conversion. The remaining three payments will be automatically charged every two weeks.
Shop smarter with the Klarna Credit Card
Take your Klarna Credit Card shopping anywhere in the world Visa is accepted, and enjoy flexible payments you control—with no monthly or annual fees¹ and no credit impact when you apply.
Apply now for free:
¹ The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. A 28.99% APR applies to all moved or split transactions, except for Pay in 4, which is interest-free. Klarna Credit Card users can convert purchases to Pay in 4 within 12 hours of the transaction. The first payment is due immediately, with the remaining payments every two weeks over six weeks—interest-free. Pay in 4 is issued by Klarna Inc. CA resident loans are made or arranged pursuant to a California Financing Law License. NMLS #1353190.
² Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.