Earn and use cashback with Klarna
Shopping smarter should come with perks. With Klarna, cashback is designed around everyday spending – no complicated categories or points to track across multiple accounts. Earn cashback when you shop at hundreds of retailers in the Klarna app¹ or use the Klarna Card.² And with a Klarna membership, you can earn up to four times more cashback in the app³, plus cashback on every purchase you make with a Klarna payment method, whether online or in-store.
How cashback works with Klarna
Cashback is our rewards programme. Earn cashback points on your purchases and deposit them directly into your Klarna bank account⁴, or convert them into airline and hotel points with a Klarna membership.
Here’s how to earn:
Shop with participating retailers in the Klarna app
Sign up for Klarna Plus, Premium, or Max and earn cashback on every purchase you make with Klarna
Plus, get up to four times more cashback in the app on selected purchases
Some shoppers use cashback now and then for extra savings, while others make it part of their regular shopping routine.
Earn cashback in the Klarna app
Cashback and perks with a Klarna membership
With a Klarna Plus membership or higher, you’ll earn cashback not only in the app, but also on all eligible purchases paid with Klarna. Use your cashback from your Klarna bank account or convert it into airline or hotel points with your Klarna membership.
Cashback rates increase with each membership tier:
0,5% on every purchase with Klarna Plus
1% with Klarna Premium
1,5% with Klarna Max.
Plus, with a Klarna membership, you can earn up to four times more cashback when you shop through cashback offers in the app.³ Each membership also comes with its own perks, such as the option to get a physical Klarna Card⁵, travel protection, and access to subscriptions.⁶
Ways to earn and use cashback
Shop with Klarna
Sign up for a Klarna membership
Redeem cashback points
Good to know about cashback
Cashback points are available to anyone with a Klarna bank account. Start earning them even before your Klarna bank account is activated, but your account must be active before you use the cashback you've earned.
Simply shop in the app with eligible retailers and pay with Klarna. How you choose to pay with Klarna won't affect how much you earn. Your cashback adds up when you pay for in-app purchases on time, whether you choose pay now, Pay in 3, or Pay in 30 days.⁷ Keep using your usual loyalty cards while earning Klarna cashback.
With a Klarna Plus membership or higher, you'll also earn cashback on every purchase, not just those made in the app.
Cashback accumulates automatically when you make on-time payments, and typically becomes available on Klarna Rewards Day, within 30 days for members, or within 90 days for non-members.
Without a membership, cashback points expire after six months. With an Everywhere or Plus membership, they expire after 12 months. With an active Premium or Max membership, cashback points don’t expire.
Klarna cashback makes everyday shopping more rewarding. Members get flexible ways to redeem their cashback within their shopping experience – so there’s no need to juggle separate programmes and accounts.
Whether you’re saving your cashback for future purchases or converting it into travel loyalty points, Klarna gives members more ways to get value from purchases they were already planning to make.