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IKEA Credit Card

3.5WalletHub Rating

WalletHub Rating

3.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.5

Market Comparison

3.6

fees: 5.0

rewards: 3.5

cost: 3.5

Other Features: 0.0

TermsReviewsFAQContact

WalletHub Rating

3.5/5

The IKEA Credit Card is a good option for frequent IKEA shoppers who want to save 5% on purchases, plus assembly and installation services. You can also earn 3% back on dining, groceries and utilities, and there’s no annual fee, so it’s worth getting the IKEA Visa Card as long as you avoid interest charges. Info about the IKEA Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

Editor’s Review

3.5/5

John Kiernan, Credit Card EditorRead full review

Market Comparison

3.6

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.

Fees

5.0

Rewards

3.5

Cost

3.5

Other Features

0.0

3.6/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit, Good Credit

Annual Fee

APR on Purchases

21.99%

Balance Transfer

APR: 26.99%

Balance Transfer Fee 5% (min $10)

Rewards

$25 off your first IKEA purchase of $25 or more when you open and use your IKEA Visa credit card the same day.

$25 IKEA Reward Certificate when you make $500 in qualifying purchases outside of IKEA and TaskRabbit within the first 90 days of account opening.

5% back in rewards on IKEA purchases including IKEA installation services and TaskRabbit assembly services.

3% back in rewards on dining, grocery and utility purchases.

1% back in rewards on all other purchases.

Get a $15 IKEA® Reward Certificate for every $15 in rewards earned. Reward Certificates are issued in $15 increments with your billing statement.

IKEA Credit Card's Additional Info

Automatic enrollment in the IKEA Family loyalty program if you're not already a member.

Zero liability.

Learn More

at Comenity's secure site

Editor's Review
Fact checked

John Kiernan

April 20th, 2026

Fact Checked by Alina Comoreanu

Senior Researcher

IKEA Credit Card Pros & Cons

No membership fees

High rewards rate

up to $50 initial rewards bonus

No foreign fee

No intro APR on purchases

No intro APR on balance transfers

Requires good/excellent credit

IKEA Credit Card Review

The IKEA Credit Card is a good option for frequent IKEA shoppers who want to save 5% on purchases, plus assembly and installation services. You can also earn 3% back on dining, groceries and utilities, and there’s no annual fee, so it’s worth getting the IKEA Visa Card as long as you avoid interest charges.

You need good credit or better to qualify for the Visa version. You can check your free credit score right here on WalletHub to get a sense of which offer you’re most likely in the running for.

What I Like About the IKEA Credit Card

Up to $50 in initial bonuses

You can get $25 off your first IKEA purchase of $25 or more, plus a $25 IKEA Reward Certificate after spending $500 purchases outside of IKEA in the first 90 days. Those aren’t the biggest bonuses in the world, by any stretch of the imagination, but you do get up to 100% back on one of them. Besides, an extra $25 to $50 is always useful.

5% back at IKEA

This attractive rewards rate applies not only to the items you purchase from IKEA, but also to assembly or installation services provided by IKEA or TaskRabbit. If you buy from IKEA on at least a semi-regular basis, this rewards rate could add up to a ton of savings. It’s about five times higher than the average rewards rate on a credit card, according to our research.

Up to 3% back on other purchases

If you get approved for the IKEA Visa, you’ll be able to make purchases anywhere Visa is accepted. Most of the time, you’ll earn just 1% back on those purchases, which is standard for a rewards card and nothing special. But when you use your card to pay for dining, groceries or utilities, you’ll earn three times as much. The more you spend in these categories, the better this card will be.

No annual fee

Most store-affiliated credit cards don’t charge annual membership fees, but this feature still saves you an average of $28.25 per year compared to other credit card offers, according to WalletHub research. Without an annual fee to worry about, interest charges are the only real obstacle to saving money with this card, and they are easily avoidable. You just have to pay your statement balance in full by the due date every month.

What I Don’t Like About the IKEA Credit Card

High APR

If you carry a balance from month to month with this card (meaning you don’t pay your full statement balance by the due date every month), you will incur interest charges at a high rate. This would quickly wipe out your savings from rewards, so it’s best to plan to pay in full monthly if you decide to apply for this card.

Limited redemption options

The rewards that you earn with the IKEA Credit Card get you IKEA Reward Certificates, redeemable for IKEA purchases. You get a $15 certificate with your monthly statement once you’ve earned $15 in rewards.
Unfortunately, you can’t redeem for pure cash back or a statement credit. That means you should only get this card if you plan on being a repeat customer at IKEA.

Requires good credit

You should have good odds of being approved for this card if you have a credit score of 700 or higher, and a score of 640+ should be enough to get you at least the IKEA Store Card. If you don’t know what your credit score is, you can check it for free here on WalletHub.

Compare The IKEA Credit Card vs. Popular Alternatives


3.5WalletHub Rating WalletHub Rating 3.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.5 Market Comparison 3.6 fees: 5.0 rewards: 3.5 cost: 3.5 Other Features: 0.0	4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.9 Market Comparison 4.0 fees: 2.1 rewards: 4.3 cost: 4.6 Other Features: 0.0	3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0
(6)	(1,618)	(1,067)
annual fee$0	annual fee$0 intro 1st yr, $95 after	annual fee$0
rewards rate 1% - 5% back in rewards	rewards rate 1 - 6% Cash Back	rewards rate 1 - 5% Cash Back
bonus offerup to $50	bonus offer As High As $300 Cash Back. Find Out Your Offer.	bonus offerNone
Purchase Intro APRNot Offered	Purchase Intro APR0% for 12 months	Purchase Intro APRNot Offered
transfer intro aprNot Offered	transfer intro apr0% for 12 months\|Transfer Fee: 3% (min $5)	transfer intro aprNot Offered
Regular APR21.99%	Regular APR19.49% - 28.49% (V)	Regular APR18.74% - 26.74% (V)
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & FeesTerms Apply	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about IKEA Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

What credit cards does IKEA have?

Maria Adams, Credit Cards Moderator

IKEA has two credit cards, the IKEA Credit Card and the IKEA Store Card. The IKEA Credit Card comes with generous rewards and can be used everywhere Visa cards are accepted. On the other hand, the IKEA Store Card offers various financing options, and it can be used exclusively for purchases at IKEA.

A Closer Look at the IKEA Credit Cards

High Rewards Rate:
IKEA Credit Card

High Rewards Rate:
IKEA Credit Card
IKEA Credit Card
Learn MoreLearn More
High Rewards Rate:
IKEA Credit Card
IKEA Credit Card
Learn MoreLearn Moreon issuer's website
High Rewards Rate:
IKEA Credit Card
IKEA Credit Card
Learn MoreLearn More

High Rewards Rate:
IKEA Credit Card

The IKEA Credit Card has a $0 annual fee and a 21.99% APR. Plus, the card comes with the following perks:

$25 off your first IKEA purchase of $25 or more when you open and use your IKEA Visa credit card the same day.
$25 IKEA Reward Certificate when you make $500 in qualifying purchases outside of IKEA and TaskRabbit within the first 90 days of account opening.
5% back in rewards on IKEA purchases including IKEA installation services and TaskRabbit assembly services.
3% back in rewards on dining, grocery and utility purchases.
1% back in rewards on all other purchases.
Get a $15 IKEA® Reward Certificate for every $15 in rewards earned. Reward Certificates are issued in $15 increments with your billing statement.

Intro APRs:
IKEA Store Card

Intro APRs:
IKEA Store Card
IKEA Store Card
Learn MoreLearn More
Intro APRs:
IKEA Store Card
IKEA Store Card
Learn MoreLearn Moreon issuer's website
Intro APRs:
IKEA Store Card
IKEA Store Card
Learn MoreLearn More

Intro APRs:
IKEA Store Card

The IKEA Store Card has a $0 annual fee. The card offers an intro APR of 0% for:

6 months with purchase between $500 and $999
12 months with purchase of $1,000 and $2,499
24 months with minimum purchase of $2,500 or more

After the promotional period ends, the regular purchase APR of 21.99% kicks in.

Keep in mind that you need good credit or better to get the IKEA Credit Card. On the other hand, the IKEA Store Card has more lenient approval requirements, as it requires at least fair credit. You can check your credit score for free on WalletHub to see where you stand.

Upvotes

How can I pay my IKEA Credit Card?

Maria Adams, Credit Cards Moderator

You can make an IKEA Credit Card payment online, by phone, by mail or through EasyPay. To pay an IKEA Credit Card bill online, log in to your online account and click on "Pay Now." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.

Ways to Make an IKEA Credit Card Payment

Online: Log in to your online account and click on...

Upvotes

How do I check my IKEA Credit Card application status?

Florence Carson

You can check your IKEA Credit Card application status by calling 1 (866) 387-6145. When you call, you'll need to provide the required information so that Comenity can match you to your application. Comenity does not allow you to check your application status online.

How to Check Your IKEA Credit Card Application Status

Call 1 (866) 387-6145.
Follow the automated prompts that lead to an application status check or connect with a representative and tell them you'd like to...

View more answers

Upvotes

Can I use my IKEA Credit Card anywhere?

Lawrence Turner

Yes, you can use the IKEA Credit Card anywhere that accepts Visa. That means you can use the IKEA Credit Card at virtually any merchant that takes credit cards in the U.S., as well as millions more worldwide.

The IKEA Credit Card has a 0% foreign transaction fee, which means you won't incur extra charges for international purchases. The card's annual fee is $0.

Upvotes

What's the IKEA Credit Card payment address?

John Miller, Credit Cards Moderator

You can find the current IKEA Credit Card payment address listed on your monthly statement. You can also find it by visiting Comenity's website or calling customer service at the number on the back of your card.

When paying IKEA Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. Comenity does not accept cash.

Tips for Mailing IKEA Credit Card Payments

Include your credit card number on...

Upvotes

Is there an IKEA credit card for businesses?

Evelyn Boros, Credit Cards Moderator

No, there isn't an IKEA credit card specifically designed for businesses. You can, however, use IKEA's general consumer credit cards for your business expenses.

You can choose between the IKEA Store Card for people with fair credit, and the IKEA Credit Card for people with good credit.

IKEA Credit Card Reviews

Share your insights and review for the IKEA Credit Card

3.8

What's Your Rating?

Bo Fa
June 26, 2024 • @Keepemhonest

They engage in questionable practices here with the IKEA card. Suppose you take advantage of a 0% promotional offer, which gives you 12 months with no interest. That's great - you make some payments, and then you make another 0% promotional purchase with 12 months no interest. You pay more than the minimum, reaching a point where you pay off the first promotional plan before the promotional period ends. However, you start accruing interest unexpectedly. Intrigued, you examine the statement and see that the first promotional account was never actually closed. It still holds $2.00, causing it to generate a minimum charge of $2.00 every month. When you call customer service, you're told that you need to make a payment and then request that this payment be allocated to the now expired $2.00 balance from the original promotional purchase. Their goal is to keep the promotional balance open for as long as possible because it takes at least $2.00 from the millions of customers they do this to every month. It's a simple way for them to make money from people who just make payments and don't check their statements every month.

I've experienced nothing but problems with payment allocation on the IKEA card, and the website tools don’t offer any management over it. You are obligated to phone customer service and resolve the issue with a representative. To get the desired outcome, you might have to speak with a supervisor, as the initial representative is likely to claim they can do little to nothing about previous interest charges.

Comment

Jeremy
July 4, 2023 • @jeremiahperry222

Verified Customer

Awesome! Includes IKEA friends and family discount 5% everyday every visit! Very generous initial credit limits and increases along the way with responsible use. Great zero percent promotional terms three tiers 6,12,18 months!

Comment

Corinna Davis
August 3, 2022 • @corinnad_2

Verified Customer

It is a great card and I enjoy furnishing my house with all the items so far. I think if you are starting out with a new place this card is great.

Comment

Amelia Moya
January 2, 2021 • @ameliam_10

This card got the highest APR NOT GOOD that’s why I don’t use it anymore ! Plus the card sometimes don’t work at the register it’s sad !

Comment

+ 2 WalletHub users submitted a rating without writing a full review

Review IKEA Credit Card

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: American Furniture Warehouse Credit Card, CB2 Credit Card, Bob's Discount Furniture Credit Card, IKEA Credit Card, and IKEA Store Card.

Offer last updated: Apr 20th, 2026 at 07:06 ET

IKEA Credit Card

IKEA Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

IKEA Credit Card's Additional Info

Editor's ReviewFact checked

IKEA Credit Card Pros & Cons

IKEA Credit Card Review

What I Like About the IKEA Credit Card

Up to $50 in initial bonuses

5% back at IKEA

Up to 3% back on other purchases

No annual fee

What I Don’t Like About the IKEA Credit Card

High APR

Limited redemption options

Requires good credit

Compare The IKEA Credit Card vs. Popular Alternatives

Questions & Answers

What credit cards does IKEA have?

How can I pay my IKEA Credit Card?

How do I check my IKEA Credit Card application status?

Can I use my IKEA Credit Card anywhere?

What's the IKEA Credit Card payment address?

Is there an IKEA credit card for businesses?

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Important Disclosures

2026 WalletHub Awards

People Also Apply For

Other IKEA Cards

Related Credit Card Categories

Editor's Review
Fact checked