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 when you pay with Klarna. 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, conditions, and points expiration 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, 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.

A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR. Annual Percentage Rate (APR) ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.

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.