How to Apply for the Klarna Credit Card: Shop Now, Pay Your Way

Who Can Apply for the Klarna Credit Card?

• You must be at least 18 years old

• U.S. resident with a valid Social Security number

• Own a smartphone to install the Klarna app

• No minimum credit score required—and applying won’t trigger a hard inquiry

How to Apply

1. Open the Klarna mobile app.

2. Tap “Apply for Klarna Credit Card.”

3. Provide your full name, address, date of birth, and SSN for identity verification.

4. (If requested) Enter employment status, monthly income, and housing expenses.

5. Complete the 60‑second application and receive instant approval—your digital card is ready immediately.

6. Optionally, request a free physical card to use anywhere Visa is accepted.

Required Documentation

• Full legal name

• U.S. mailing address

• Date of birth

• Social Security number

• Verified phone number and email address

• (If prompted) Employment details and income information

Top Tips for Maximizing Your Card

• Use “Pay in 4” for small purchases to avoid interest and manage payments in bite‑sized chunks.

• Watch the app for exclusive in‑app deals—earn up to 10% cashback at select retailers.

• Take advantage of “Move to Next Month” on individual transactions when you need extra flexibility.

Ready to Get Started?
Tap the button below to apply inside the Klarna app—it takes under a minute, won’t impact your credit score, and you’ll have a digital card instantly. Then start shopping online or in‑store worldwide, with no foreign transaction fees!