IKEA Financing icon of a credit card and two coins

IKEA Credit Card

Two ways to get more from IKEA: The IKEA® Visa® credit card lets you earn on everyday purchases towards IKEA rewards¹. And the IKEA Projekt credit card offers a low promotional rate to pay for a large IKEA purchase over time.*

Your home's favorite credit card

Image of the IKEA Credit Card

Introducing the IKEA® Visa® credit card – buy the things you need every day and get more 
of the things you love from IKEA.

With the new IKEA Visa credit card, you’ll earn up to 5% back in IKEA rewards on everything you buy.1 So every IKEA product, every restaurant order — every purchase you make with your IKEA Visa credit card, could lead to your next IKEA Reward Certificate.

Earn big with the IKEA® Visa® credit card:

5% back in reward on IKEA purchases as well as Traemand installation and TaskRabbit assembly services
3% back in rewards on dining, grocery and utility purchases
1% back in rewards on all other purchases made with your IKEA Visa card

Enjoy exclusive cardholder savings and bonuses:

$25 off your first IKEA purchase

when you open and use your IKEA Visa credit card on the same day

Bonus $25 IKEA Reward Certificate

when you make $500 in qualifying purchases outside of IKEA, Traemand and TaskRabbit within the first 90 days of account opening with your IKEA Visa credit card

And much more...

  • No annual fee5

  • Emergency card replacement & cash disbursement

  • Convenient lost or stolen card reporting

  • Zero liability6

  • Auto rental protection7

  • Automatic enrollment in the IKEA FAMILY loyalty program if you’re not already an IKEA FAMILY member

Already have an IKEA Visa credit card account? Manage your IKEA Visa credit card account.

IKEA Visa credit card Frequently Asked Questions

What’s the difference between the IKEA Visa credit card and the IKEA Projekt credit card?

The IKEA Visa credit card is a credit card that can be used at IKEA and anywhere else Visa is accepted. If you are approved, you’ll earn 5% back in rewards on IKEA US purchases¹, 3% back in rewards on dining, grocery and utility purchases², and 1% back in rewards anywhere else you use the IKEA Visa credit card.

The IKEA Projekt card is a credit card that can only be used at IKEA US. The IKEA Projekt card offers 60-month promotional financing on a purchase of $5,000 or more, making it a great financing solution for your large project needs.

Can I apply for both the IKEA Projekt card and the IKEA Visa credit card?

Yes! You can apply for both cards. Please note, the applications are separate and are subject to independent credit approval.

Can I use my IKEA Visa credit card the same day I apply?

Yes, if you have been approved for an IKEA Visa credit card in an IKEA store or online, you will be able to use your newly opened account on the same day. You'll receive an IKEA Visa credit card welcome kit in the mail within 7-10 business days.

Is there a limit to the amount of rewards I can earn?

There is no limit to the amount of rewards you can earn.

How will I receive my IKEA Reward Certificates?

Rewards certificates are redeemed in $15 increments on your billing statement, and are valid for the next 45 days.

How does the IKEA Visa credit card work with IKEA FAMILY?

If you’re already a member of our IKEA FAMILY loyalty program, you can still enjoy all the IKEA FAMILY benefits as well as the IKEA Visa card benefits. You’ll still need to use your IKEA FAMILY number to qualify for any IKEA FAMILY discounts at checkout. If you’re not an IKEA FAMILY member yet, you’ll be automatically enrolled in this free program when you are approved for an IKEA Visa credit card. For information on IKEA FAMILY, click here.

What is the IKEA Visa card customer service number?

For customer service call 1-866-387-6145 for the IKEA Visa credit card, or 1-866-518-3990 for the IKEA Visa Signature credit card (TDD/TTY 1-888-819-1918).

Your dream home is now within reach

The IKEA Projekt Credit Card

The IKEA® Projekt credit card — 0% interest for 6, 12, or 24 months, thereafter standard purchase APR of 21.99%. Minimum purchase required *.

You don’t have to pay for IKEA product purchases all at once. The IKEA Projekt card lets you pay off a single purchase 
over time, so you don’t have to wait to get the home you want.

With the IKEA® Projekt credit card, get:

  • 0% interest for 6 months on a purchase of $500 or more

  • 0% interest for 12 months on a purchase of $1,500 or more

  • 0% interest for 24 months on a purchase of $5,000 or more

After that, standard purchase APR of 21.99%*.

Already have an IKEA Projekt card account? Manage your IKEA Projekt card account.

IKEA Projekt card Frequently Asked Questions

Where can I use my IKEA Projekt Card?

Your IKEA Projekt card can be used at IKEA US stores and IKEA-usa.com on product purchases.

Is special financing available?

Yes, special financing is available on purchases of $500 or more. See above for details on the special financing plans.*

Can I take advantage of the new financing plans if I'm already an IKEA Projekt card holder?

Yes, any new purchases you make with your IKEA Projekt credit card between $500.00-$1,499.99 will automatically be put on the 6-month plan, any new purchase between $1,500.00 and $4,999.99 will be put on the 12 month plan and any new purchase of $5,000+ will be put on the 24 month plan. The new financing options do not impact any existing account balances.

Can I switch my current promotional plan to one of the new plans available?

No, any previous IKEA Projekt credit card purchases that are already on the 4.99% APR 60-month plan will remain on the plan. The new financing options are only available on new qualifying purchases with your IKEA Projekt credit card.

Do I need to apply for a new card if I already have one, or can I use my existing card?

No, you can continue to use your current IKEA Projekt credit card for IKEA purchases.

Can I choose between a 6-month, 12-month, and 24-month payment plan?

No, the 6 month plan is only available on IKEA Projekt credit card purchases between $500.00-$1,499.99, the 12 month plan on purchases of $1,500.00 -$4,999.99 and the 24 month plan on purchases of $5,000 or more. Qualifying purchases will automatically be placed on the appropriate promotional plan, however, if you wish to move your purchase to the regular revolving credit plan, please see the first billing statement reflecting your purchase for plan opt-out details.

Is installation included?

No, the IKEA Projekt card can only be applied to IKEA product purchases.

Can I get pre-qualified?

Yes, you can get pre-qualified for the IKEA Projekt card without applying. Pre-qualification is only a soft inquiry on your credit. If you then choose to apply, that is a hard inquiry. Click here to get pre-qualified.

How will I receive my IKEA Projekt Card?

Once approved, you will receive your IKEA Projekt card in the mail in approximately 10 business days. If you apply and are approved in-store you may receive a temporary card to use at that time.

What is the customer service number?

Call 866-337-5539 (TDD/TTY: 1-888-819-1918) for the IKEA Projekt card customer service line.

IKEA Visa credit card details:

Rewards details

¹ Reward Certificates are issued in $15 increments with your billing statement. The IKEA Visa Credit Card Rewards Program is provided by Comenity Capital Bank and its terms may change at any time. For Full Rewards Terms and Conditions, please see comenity.net/IKEAvisa. Purchases earning rewards dollars do not qualify for promotional financing.

² Each merchant is assigned a code by a third party that indicates the merchant's area of business. Bonus percentage will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Comenity Capital Bank does not have the ability to control assignment of merchant codes.


$25 off your first purchase details

³ Subject to credit approval. Offer valid for new accounts only. Purchase must be made immediately upon same day approval; purchases made at a later time will not qualify. Minimum purchase of $25 pre-tax at IKEA. Balance of purchase must be made with your IKEA Visa credit card. Cannot be applied to prior purchases or used as payment on IKEA Visa credit card accounts. One-time use only. Exclusions: gift cards, services and independent service providers (including TaskRabbit and Traemand). For online applications - coupon valid for online purchases only; for in-store or Frictionless Mobile applications - coupon valid for in-store purchases only.


$25 Bonus reward details

4 Subject to credit approval. Must use your IKEA Visa credit card to make qualifying purchases. Only valid for new accounts. Qualifying purchases do not include using your account for Account Assure Pro, balance transfers, cash advances, TaskRabbit, Traemand, or using any checks that access your account. Bonus reward must be used with your IKEA Visa credit card in-store or online. One-time use only; unused funds on reward certificate are forfeited.


No annual fee details

5 Standard purchase APR of 21.99%. Balance Transfer and Cash Advance APR of 23.99%. Balance Transfer Fee of the greater of $10 or 5% of the amount of the balance transfer. Cash Advance Fee of the greater of $10 or 5% of the amount of the cash advance. Convenience Check Fee of the greater of $10 or 5% of the amount of the convenience check. Minimum Interest charge is $2 per credit plan. Click here for details.


Additional benefit details

6 Covers U.S.-issued cards only. Certain restrictions apply. See visa.com/zeroliability for details.

7 Certain terms and conditions apply. See your Guide to Benefits for details.

IKEA Visa credit card accounts are issued by Comenity Capital Bank, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

IKEA Projekt credit card details:

Special financing details

*Interest will be charged to your account at the standard purchase APR of 21.99% from the end of the promotional period on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. IKEA Projekt Credit Card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $30. Minimum Interest Charge is $2 per credit plan. Standard purchase APR of 21.99%. Minimum purchase of $500 for 6 month plan, $1,500 for 12 month plan and $5,000 for 24 month plan required. See store associate for details.