Buy now pay later cards enable easy financing, especially when shopping outside a provider’s platform with most requiring few details to get.
There is a growth in the number of retailers allowing you to buy their products by spreading the costs through payment plan solutions.
While this provides convenience, you may not be able to finance items at some stores directly. Hence, an alternative through virtual cards can be helpful.
Best Buy Now Pay Later Cards
Below is a list of the top digital card providers for financing your purchases:
Klarna
- Virtual Card
- Mobile App
- In-app Shopping
- Interest-free Option
- Pay in 2 months or 30 days
This is one of the popular buy now pay later cards in the UK, widely accepted at several retail checkout pages.
Known for its flexibility, it offers features like Pay in 3, allowing you to spread payments over two months starting from the purchase date.
Another standout feature is Pay in 30 days, which enables users to delay payments without requiring an upfront deposit.
This card is particularly versatile as it can be used at any retailer where Visa is accepted, making it a go-to choice for many.
It functions like a regular debit or credit card while seamlessly integrating Klarna’s payment plans.
The browser extension enhances the Klarna Card’s usability, enabling smooth checkout experiences on your favorite merchants’ websites. You simply install the extension, shop, and choose your preferred plan at checkout, which will generate a virtual card for payment.
For those who prefer app-based shopping, Klarna provides a robust in-app experience, offering access to a wide range of partnered retailers.
Zilch
- Virtual Card
- Mobile App
- Cashback
- Interest-free Option
- Pay in 6 weeks or 3 months
Zilch has an interesting buy now pay later card that enables instalments and can be used for full payment to earn rewards.
It is known for its pay in 6 weeks, but you can enjoy its payment plan for up to 3 months.
While you will have its default Classic account as a new user, you can upgrade to the Zilch Up that can help in building your financial profile as it reports transactions to the major credit bureaus.
It also works as a debit card, but this comes with a reward between 0.5% and 5% in cashback, which can be used to get discounts on subsequent purchases.
Clearpay
- Virtual Card
- Mobile App
- In-app Shopping
- Interest-free Option
- Pay in 6 weeks
Clearpay is one of the popular buy now, pay later services in the UK with a huge merchant in its collection.
When you do not want to use its direct checkout option or a preferred merchant does not accept it, you can opt for the digital card, which can be connected to either Apple Pay or Google Pay.
Since Clearpay has some restrictions, you can access gift cards on the platform, including those for Argos, Sainsbury’s, Primark, B&Q, Currys, and more.
Yonder
- Virtual Card
- Physical card
- Mobile App
- Cashback and rewards
- Pay in 2 months or 30 days
Yonder is another good buy now pay later card that comes with several features, including bonuses and rewards each time you do transactions.
It offers a credit limit of up to £1,200 to spend on purchases, and depending on your membership status, you can get rewarded up to 25 points per usage that can be used for experiences on the platform.
The interest rates vary, and the free users will pay 32.9%, while the paid members enjoy a lower rate of 29.94%.
Fair For You
- Virtual Card
- Mobile App
- In-app Shopping
- Installments up to 52 weeks
Fair For You is another unique option on this list of top buy now pay later cards and operates on a monthly interest of 4.25%, making it a cheaper provider if you clear the used credit within a short time.
For new users, you can only have access to the financing card after shopping on its marketplace with no default in repayments.
After reaching eligibility, you will be added to the Good Payers Club, where you can get a card that will allow you to shop at high-street retailers like Iceland, Argos, Euronics, and others.
Amex Plan It
- Credit Card Add-on
- Mobile App
- Interest-free Option
- Pay in 3, 6, or 12 months
Plan It is an add-on to American Express personal or business credit cards and is unique in terms of how it works.
It is an after-purchase option unlike many of the other buy now pay later cards. You need to make payments before you can turn that into an instalment plan.
You do not need a new application to utilise Plan It, but the transaction value must be up to a minimum of £100 before the repayment can be spread.
The monthly fee varies depending on the plan selected from any that includes 3, 6, and 12 months.
Bip
- Virtual Card
- Mobile App
- Interest-free Option
- Pay in 2 months or 30 days
Bip is the buy now pay later card from Newday, the same company that owns Newpay, a financing service known for its high credit line and long-term plans.
It also offers up to £1,200 that can be used to spread payments at your favourite merchants. The starting credit line is £250.
Bip plans can run up to 12 months with APR ranging from 29.9% to 49.9%.
Argos
- Physical card
- Mobile App
- In-app Shopping
- Interest-free Option
- Pay in 2 months or 30 days
Argos also has a card that lets you enjoy instalment purchases when shopping online and at its physical retail centres, including at Habitat and Sainsbury’s.
There are three plans, and all are interest-free if you clear your balance within the offer period.
If your order is below £199, you can access the 3-month plan and 6 months when above.
The 12-month plan is available for a cart value of £499 minimum, and the same term of no interest is available.
Curve Flex
- Virtual Card
- Mobile App
- Post-purchase
- Pay in 12 months
Curve is one of the best digital wallets in the UK, and while it is very popular for its technology that enables convenience through one card for many payment sources, it offers more.
The platform has a Flex service that also works on existing purchases. If you have a Curve account, you can convert past purchases into installment plans.
Its plans are 3, 6, 9, and 12 months with a representative APR of 14%.
Curve also provides a virtual card that you can add to other digital wallets, including Apple and Google Pay.
Monzo Flex
- Virtual Card
- Mobile App
- Interest-free Option
- Pay over 24
Monzo is widely used for its perks-parked accounts with financing options, including overdrafts and loans for business and personal use.
It also has a Flex and works similarly to the other post-purchase buy now, pay later cards on this list.
This feature, available to its current account holders, allows users to spread payments over 24 months on eligible purchases of £100 and above.
For Flex orders paid in full within three months, Monzo charges no interest, while there is a 29.9% representative APR after then.
Splitit
- Existing Credit Card
- Interest-free Option
- Pay in 12 months
- No Inquiry
Splitit is a payment gateway option and not directly a buy now pay later card, but it is on this list because of how it works.
To use Splitit, you must own a credit card and since it relies on your available limit set by the provider, the platform does not perform a credit check.
When you utilise Splitit for instalment orders, the amount will be blocked on your credit card limit and will only be reduced as you pay back monthly.
With many providers offering buy now pay later cards, you should be able to find what works for you in paying for your purchases at your favourite retailers.
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