¹ Based on the combined value of all Max-tier benefits below — subscriptions, cashback, and banking perks — on a monthly basis, plus lounge access and eSIM value applied once per qualifying trip. Actual value depends on usage.
² Based on the total retail value of all subscription partners included in the Max plan, assuming full use of every included subscription.
³ Based on 2% cashback on an assumed average monthly spend of $1,500. Actual cashback earned depends on your spend and purchase category.
⁴ Based on the average retail cost of comparable airport lounge access per visit, plus the estimated value of medical and rental car coverage, assuming one trip.
⁵ Based on the average retail cost of a comparable prepaid travel eSIM data plan, per trip.
⁶ Based on interest savings and an assumed maximum deposit of $50,000.
⁷ Klarna Travel eSIM is provided by Gigs, with Klarna Technologies Inc. acting as agent on Gigs' behalf. Klarna Travel eSIM Terms and the Gigs End User Service Agreement apply. Prices vary by destination, data allowance, and plan duration. Full price list can be found in the Klarna app. In order to offer the best experience, where multiple networks in a covered country are available, the eSIM automatically selects the available partner network with the highest data speed, and defaults to 4G or 5G speeds where supported.
⁸ Protection plans powered by XCover. Must be obtained within 30 days from day of purchase. Terms and conditions apply.
⁹ See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.
¹⁰ Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
¹¹ Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates.
¹² Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.
¹³ A Metal Card fee may apply if you have a metal card and cancel within 6 months. Learn more.
¹⁴ The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.