Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Personal account required. Other limitations, conditions, restrictions, and points expiration apply to benefits like Klarna Membership cashback.

Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.

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

Protection plans powered by XCover. Must be obtained within 30 days from day of purchase. Terms and conditions apply.

Klarna Membership offered in partnership with WebBank for a monthly fee. Pay everywhere Visa is accepted. Cancel any time in the 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 all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.

See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.