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 Card². 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.
¹ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases when you pay with Klarna. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, conditions, and points expiration apply.
² Paid membership required to access Klarna Card Pay Later plans. Representative APR 35.1% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
³ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, restrictions, and points expiration apply to benefits like Klarna Membership cashback.
How cashback works with Klarna
Cashback is our rewards programme. Earn cashback points on your purchases and redeem them directly into your Klarna balance, 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 membership and earn cashback on eligible Klarna purchases
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
As a Plus member or above, you’ll earn cashback not only in the app, but on eligible purchases paid with Klarna. Redeem your cashback through your Klarna balance or convert it into airline or hotel points with a Klarna membership.
Cashback rates increase with each membership tier:
0.5% on eligible purchases with Klarna Plus
1% with Klarna Premium
1.5% with Klarna Max
What’s more, Klarna members can earn up to 4x more cashback when shopping through cashback offers in the app.³ Membership also comes with its own range of perks, from access to a physical Klarna Card⁴ to travel protection and subscription access.⁵
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 balance. Start earning before your Klarna balance is active, but you’ll need to activate it before you can redeem any cashback you’ve already earned.
All you need to do is shop with eligible merchants in the app and pay with Klarna. How you choose to pay with Klarna won’t affect how much you earn. Cashback adds up when you pay for in-app orders on time, whether you pay in full, use Pay in 3, use Pay in 30 days, or pay over time.⁶ You can also use your existing loyalty cards and earn Klarna cashback on top.
With a Klarna membership on the Plus tier or above, you’ll also earn cashback on your purchases, not just those 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 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.