"Affluent consumers are growing tired of the overspend-to-earn dynamics of traditional credit cards and the eye-watering annual fee that comes with them,"
"They want premium benefits without carrying a balance, chasing categories, or navigating fine print."
"transparent pricing, month-to-month subscriptions, immediate access to meaningful perks they will actually use, and no requirement to take on debt."
Klarna launched Premium ($19.99) and Max ($44.99) U.S. membership tiers that add premium rewards and perks without requiring credit cards, spending thresholds, APRs, or annual fees. The tiers expand existing Core and Plus offerings and mirror UK/EU rollouts. The product targets affluent consumers shifting toward debit-first tools and BNPL; 11.2% of U.S. adults canceled a credit card in the past year, rising to 15.1% among those earning over $100,000, and 30% of high-income consumers use BNPL as a preferred payment method. The memberships use month-to-month pricing and immediate, debt-free perks.
Read at Fast Company
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