Klarna credit cards
BNPL company offering a card that combines pay-now and pay-later options. A BNPL-card hybrid.
About Klarna
Klarna is a buy now, pay later company best known for Pay in 4 at online checkouts, and the Klarna Card brings those options to purchases in stores and online. Klarna describes it as a debit card that lets you choose how you pay: in full, in four payments, in 30 days, or over time, with service fees on pay later purchases depending on your membership plan.
It suits you if you already use Klarna and want one card that can pay now or split a purchase, and Klarna says applying has no impact on your credit score. The limitation: it is a BNPL and debit hybrid rather than a traditional credit card, and the membership plans that unlock more benefits cost money. The Standard plan is free, while Core is $4.99 a month and Plus $9.99 a month after a free first month, Premium is $19.99 and Max is $44.99, so fees can add up on a higher tier.
Notable Klarna cards
- Klarna Card
Approval rules and tips
Klarna does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Klarna says applying for the card or a payment plan will not impact your credit score.
- Choose your membership tier carefully; paid plans run from $4.99 to $44.99 a month.
- Pay later purchases carry service fees that vary by membership level.
How to apply for a Klarna card
Sign up for the Klarna Card in the Klarna app. Klarna says applying for the card or a payment plan does not affect your credit score. You will need a Klarna account, a mobile number, your address and identity details, and a way to fund pay-in-full purchases, such as a linked bank account. Pick a membership plan, from the free Standard tier up to Max, before using pay later options.
Customer service: www.klarna.com
Klarna FAQs
What credit cards does Klarna offer?
Klarna's notable cards include Klarna Card. See the cards we review below for fees, rewards and APRs.
Does Klarna have special approval rules?
Klarna does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a Klarna credit card?
Apply on www.klarna.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
Is the Klarna Card a credit card?
No. Klarna calls it a debit card with pay later options. You can pay in full, or choose Pay in 4, Pay in 30 days or Pay over time for a purchase. Pay later choices are short-term credit arrangements with their own terms, and service fees apply depending on your membership plan.
Does the Klarna Card have a monthly fee?
It can. The Standard plan is free, with service fees on pay later purchases. Paid plans are Core at $4.99 a month and Plus at $9.99 a month after a free first month, Premium at $19.99 and Max at $44.99. Compare what each tier adds before paying for one.