Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Other limitations, conditions, restrictions and points expiration apply to benefits like Klarna Membership cashback. If you cancel or your renewal payment fails, you will not receive points earned the previous month.

Use your card anywhere Visa is accepted.

See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your tier.

Insurance and coverage benefits are provided by XCover, a trading name of Cover Genius Europe BV, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.

Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.

Annual value amount reflects your Membership's total available benefits, such as cashback and discounts. Actual results will vary based on benefit usage.

Subject to a creditworthiness assessment.