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Klarna Card Review – Is it Worth It?

You likely know Klarna for its buy now, pay later model. Its typical program allows buyers to pay off a purchase in 4 payments (25% at checkout and 25% every two weeks for a total of 4 payments).

Now, they’ve released a Klarna card with the same idea but different terms. Here’s how it works.

What is the Klarna Card?

The Klarna Card is a physical way to use one of Klarna’s services ‘pay in 30.’ Instead of applying online and waiting for approval, you have a physical card you can use anywhere Visa is accepted to buy now and pay in 30.

It sounds like a credit card, but it’s not. You don’t have the option to make a minimum payment and carry a balance. You must pay the balance off in 30 days. If you can’t, you must contact Klarna. They’ll give you a free 10-day extension, beyond that you have to work with them individually to create a plan.

How Does it Work?

The Klarna card offers the advantage of using Klarna anywhere Visa is accepted. Without the card, you can only use Klarna’s buy now, pay later model in stores that accept Klarna, and not all do.

You swipe or insert the card at checkout like you would a credit card and your purchase is paid. If you have a Google or Apple Pay, you can add it to your wallet and pay touchless in-store.

The Klarna app tells you how much you’ve spent and when your payments are due. Klarna also reviews your spending limits daily, adjusting them as they see fit based on your card usage. You can see your spending limits in real-time on the app.


  • Opt-in to push notifications to know your spending limits or how much you’ve spent
  • Opt-in to due date notifications so you never miss a payment
  • Regular reviews of your spending limits with increases when you prove you can afford it
  • 24/7 customer support
  • User-friendly app with up-to-date information about your account and easy to use history

How to Apply for the Klarna Card

Right now, there’s a waitlist in the US for the Klarna card, but you can get on it here. Once you sign up, you’ll receive an email when you’re able to apply for it.

When you’re eligible, you can apply on the Klarna app or website, whichever you prefer. To be eligible, you must be at least 18-years old, have a good credit history, and have used Klarna’s buy now, pay later model at least once before, and paid it off in full.

If you’re approved, you’ll receive the Klarna card in the mail within 5 – 7 business days.

Pros and Cons

It’s always a good idea to know the good and bad about any personal financial tool before using it to determine if it’s right for you.

Here are the pros and cons of the Klarna card.


  • You pay no interest or late fees on balances you pay off in 30 days
  • There are no foreign transaction fees
  • You can use Klarna anywhere Visa is accepted


  • It’s easy to spend more than you intended when you don’t have to pay for it right away
  • It won’t help you build your credit score
  • You can only spend up to your spending limit which may be less than you can afford

Final Thoughts – Is the Klarna Card Worth It?

The Klarna card is very popular in the UK with over 70,000 people on its waitlist even though it’s been released there, and currently, the US has a waitlist for its release.

If you can spend responsibly, it can be a great way to get the items you need without carrying cash or worrying about paying credit card interest. But, if you’re looking for a card that will help you build credit or that you can carry a balance on, the Klarna card isn’t it.

The card is for people that know they can pay for their purchase within 30 days. You won’t pay interest or fees on it and have the luxury of using a Visa card that allows you to use Klarna wherever you shop.

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