Earn up to 10% cashback
Get cashback at hundreds of stores in the app. Not points, just money that you can put towards your next purchase.¹
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Shopping just got smarter
Earn no matter how you choose to pay: in 4 interest-free payments, over time, up to 30 days later, or in full.
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Hundreds of brands offer cashback
Save even more when you shop at the following brands.
How to earn cashback with Klarna
Sign up for a Klarna balance account
Once you set up a free balance account in the app, you are ready to start earning.²
Shop at hundreds of stores offering cashback
Browse and shop brands offering cashback, exclusively in the app. Cashback earned will be deposited into your balance account.
Spend your balance on a future purchase
Use your balance toward a future purchase in the app when you pay with Klarna.
Use your cashback balance like cash at any store
Cashback earned will be deposited directly into your balance account. You can use it just like money when you pay with your balance for a future purchase in the app.
Shoppers love Klarna
93+ million people love to shop and pay with Klarna anywhere—rated 4+ on Trustpilot.
Exceptional - Use Klarna!
"Klarna has been exceptional in providing customers great options for paying for goods and services. I will choose Klarna over a credit card always! Klarna is a better alternative to credit cards! Kudos Klarna!"
- Jodi L
Klarna has completely revolutionized...
"Klarna has completely revolutionized the way I shop online, making the entire checkout experience smooth, flexible, and stress-free."
- Doneil B
I'm very satisfied using Klarna.
"I'm very satisfied using Klarna, it makes it easy for me to purchase things from my favorite retail places like Macy's or Temu and Shein!"
- Maria M
Make payments on the stuff you want now.
"I appreciate the fact that I can get things now as I continue to make payments. This is extremely helpful when you want to put money down on something without having it stack up to make a full payment."
- Dahu L.
Klarna is always easy to use
"Klarna is always easy to use, quick, you order your items and forget about the payments. They come out automatically and before you know it, it’s paid off!!"
- Denise
Klarna is an awesome app
"Klarna is an awesome app. Very convenient and easy to use. Their payment plans are excellent and help make the purchases you want without the pressure of paying in full or added interest."
- Katy
Customer reviews reflect their personal experience and opinion.
Frequently asked questions
Questions on how to use cashback? Find your answers below. For any further help or trouble-shooting, please contact customer support.
Cashback is a Klarna benefit that allows you to earn a percentage of your purchase amount back into your Klarna balance account. It’s a great way to save money while you shop, as you earn rewards just by making purchases.
All consumers eligible for the Klarna balance can receive cashback. Please note that while you can start earning cashback before activating your Klarna balance, your Klarna balance needs to be active in order to receive your earned cashback.
Cashback is paid as money into your Klarna balance, so you can use your balance to pay. You can earn cashback by making eligible purchases within the Klarna app from stores that offer cashback.
Yes, you can earn cashback regardless of the payment method you use, including non-Klarna payment methods.
Cashback can be earned regardless of whether or not you’re splitting your payment.
The time frame varies by merchant, but it generally takes between 35 to 95 days for merchants to confirm whether or not an order earned cashback and for it to be paid into your Klarna balance.
There is no cashback earning limit.
Earned cashback will be automatically paid into your Klarna balance. If you have not activated your Klarna balance by the time your cashback is confirmed, you will have 180 days to do so. After 180 days, if you have still not activated your Klarna balance, your cashback will expire.
Yes, you can shop Klarna deals when paying with Klarna and earn cashback simultaneously, enjoying both savings and cashback benefits.
Yes, you can. Cashback operates independently from existing loyalty programs. Adding your regular loyalty card at checkout allows you to earn both regular loyalty points and Klarna cashback.
Ready to earn cashback?
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¹ Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.
² Terms and Conditions apply to gift certificates/gift cards like Klarna Balance.