Klarna is the first buy now, pay later startup to launch a loyalty program. Every time a shopper uses Klarna, either via its app or with partner merchants, they earn a "vibe" point that can be collected and redeemed for rewards like gift cards for Starbucks and Uber. Klarna has seen demand for its product surge amid the coronavirus pandemic, with nearly 8 million users in the US alone. This launch is the latest move in Klarna's larger strategy to become shoppers go-to app, David Sykes, Klarna's head of US, told Business Insider.