Earn and use cashback with Klarna
Shopping smarter should come with perks. With Klarna, cashback is built around everyday shopping, not complicated categories or tracking points across multiple accounts. Earn cashback when you shop at hundreds of stores in the Klarna app¹ or when you use the Klarna Card,² and with a Klarna membership, earn up to 4x more cashback in the app³, plus cashback on every purchase using a Klarna payment method, online and in stores.
How cashback works with Klarna
Cashback is our rewards program. Earn cashback points on your purchases and redeem them straight into your Klarna account⁴ or convert them into airline and hotel points with a Klarna membership.
Here's how you can earn:
Shop at participating stores in the Klarna app
Sign up for Klarna Plus, Premium, or Max membership and earn cashback on every Klarna purchase
Plus up to 4x more cashback in the app on select purchases
Some shoppers use cashback casually for occasional savings, while others build cashback into their regular shopping routine.
Earn cashback in the Klarna app
Cashback and perks with a Klarna membership
As a Plus member or above, you earn cashback not only in the app, but on all eligible purchases paid with Klarna. Redeem your cashback in your Klarna account or convert them to airline or hotel points with a Klarna membership.
Cashback rates increase with membership tier:
0,5% on eligible purchases with Klarna Plus
1% with Klarna Premium
1,5% with Klarna Max
And on top, Klarna members can also earn up to 4x more cashback when shopping cashback offers in the app.³ Membership also comes with its own set of perks, from availability of a physical Klarna Card⁵ to travel protection and subscription access.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 any shopper with a Klarna personal account. You can start earning before your Klarna personal account is active, but it needs to be active for you to redeem cashback you’ve already earned.
All you have to do is shop in the app at eligible merchants and pay with Klarna. How you choose to pay with Klarna doesn’t change how much you earn — cashback adds up when you pay on time on orders in the app, whether you pay direct, in 30 days, or over time.⁷ And you can use your existing loyalty cards and still earn Klarna cashback on top.
With a Klarna membership on the Plus tier or above, you also earn cashback on all your purchases, not just the ones you make 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 6 months. With Everywhere and Plus, after 12 months. With an active Premium and Max membership, cashback points never expire.
Klarna cashback is designed to make everyday shopping more rewarding. Cashback for members comes with flexible redemption options and stays connected to the shopping experience instead of living across separate programs and accounts.
Whether you’re saving cashback for future purchases or converting it into travel loyalty points, Klarna gives members more ways to get value from purchases they already planned to make.
If you cannot repay the debt on time, you risk a payment default. This may lead to difficulties in renting housing, signing contracts, and obtaining new loans. For support, contact budget and debt counselling in your municipality. Contact details are available at konsumentverket.se