IKEA® Credit Card
Two ways to get more from IKEA: The IKEA® Visa® credit card lets you earn on everyday purchases towards IKEA rewards.1 And the IKEA Projekt credit card offers a low promotional rate to pay for a large IKEA purchase over time.*
Enjoy exclusive cardholder savings and bonuses:
your first IKEA purchase3
when you open and use your
IKEA Visa credit card the same day
$25 IKEA Rewards4
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
IKEA Visa credit card Frequently Asked Questions
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 USA 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 USA. The IKEA Projekt card offers 6, 12, and 24 month promotional financing. There is a minimum purchase of $500 for a 6 month plan, $1,500 for a 12 month plan, and $5,000 for a 24 month plan. This makes the IKEA Projekt card a great solution to fit your large project needs.
Yes! You can apply for both cards. Please note, the applications are separate and are subject to independent credit approval.
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 transaction. You'll receive an IKEA Visa credit card welcome kit in the mail within 7-10 business days.
If your online application is approved and you make a same day $25 (or more) qualifying purchase online, the $25 off First Purchase Offer will appear, within two billing cycles, as a credit on your statement.3
There is no limit to the amount of rewards you can earn.
Rewards are redeemed in $15 increments on your billing statement, and are valid for the next 45 days.
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 more information, view the IKEA FAMILY page.
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).
IKEA Visa credit card holders will receive 3x the rewards (or 3% back) on qualifying department stores, clothing stores and book stores purchases from 11/1/18 – 12/31/18. Purchases made outside this offer period, or purchases not made in department stores or online shopping, will instead earn 1% back.
With the IKEA® Projekt credit card, get:
0% interest for 6 months
with minimum purchase of
$500 or more
0% interest for 12 months
with minimum purchase of
$1,500 or more
After that special financing period ends, standard purchase APR of 21.99%*.
If you are not an IKEA® FAMILY Member yet, you’ll be automatically enrolled in this free program
if you are approved for an IKEA® Projekt credit card.
Already have an IKEA Projekt card account? Manage your IKEA Projekt card account.
IKEA Projekt Card Frequently Asked Questions
Your IKEA Projekt card can be used at U.S. IKEA stores and IKEA.com/us/en on product purchases.
Yes, special financing is available on purchases of $500 or more. See above for details on the special financing plans.*
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.
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.
No, you can continue to use your current IKEA Projekt credit card for IKEA purchases.
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.
No, the IKEA Projekt card can only be applied to IKEA product purchases.
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. See if you pre-qualify by completing the pre-application form.
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.
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 Projekt 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 Projekt credit card. For more information, view the IKEA FAMILY page.
Call 866-337-5539 (TDD/TTY: 1-888-819-1918) for the IKEA Projekt card customer service line.
IKEA Visa Credit Card Details
1Subject to credit approval. Offer is exclusive to IKEA® Visa® credit card holders enrolled in the IKEA Visa Credit Card Rewards program. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see www.comenity.net/IKEAvisa.
2Subject to credit approval. Offer is exclusive to IKEA® Visa® credit card holders enrolled in the IKEA Visa Credit Card Rewards program. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Earnings 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
3Subject to credit approval. Valid one time only. Exclusions: prior purchases, payment on IKEA Visa credit card accounts, IKEA gift cards, TaskRabbit assembly and Traemand installation services. The entire transaction amount after discount must be placed on the IKEA® Visa® credit card.
$25 Bonus reward details
4Subject to credit approval. Offer is exclusive to IKEA® Visa® credit card holders enrolled in the IKEA Visa Credit Card Rewards program. Exclusions: Payment on IKEA Visa credit card accounts, IKEA gift cards, TaskRabbit assembly and Traemand installation services.
No annual fee details
5Click here for important rate, fee, and other cost information.
Additional benefit details
6Covers U.S.-issued cards only. Certain restrictions apply. See visa.com/zeroliability for details. Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details or call the Benefit Administrator at 1-800-348-8472. If you are outside the United States, call collect at 804-673-1164.
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 Card Details
Special financing details
*Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. The sum of the required payments each billing period won’t be less than $35 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of 07/19, terms provided for New Accounts: Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
IKEA® Projekt Credit Card Accounts are issued by Comenity Capital Bank.