Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna Personal account and other benefits. Earn cashback on Klarna App purchases. Klarna Personal 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, and conditions apply.

Exclusions apply. Does not cover travel, event, and ticket purchases, gift cards and goods same as cash, Klarna Credit Card purchases and more. Check eligibility at https://www.klarna.com/us/buyer-protection/.

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