skip to main content

IKEA Financing

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.*

  • Image of the IKEA Visa credit card with a wood grain card background

    IKEA Visa credit card
    for everyday rewards

  • Image of the IKEA Projekt credit card with gray quartz card background

    IKEA Projekt credit card
    for a large purchase

Earn big with the IKEA® Visa® credit card:

5

%
back in
rewards on
IKEA purchases

as well as Traemand installation and TaskRabbit assembly services1

3

%
back in
rewards on
dining, grocery
and utility
purchases2

1

%
back in
rewards on all
other purchases

made with your
IKEA Visa credit card

Enjoy exclusive cardholder savings and bonuses:

$25 off

your first IKEA purchase3

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

Bonus

$25 IKEA Reward Certificate4

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

1-7Click here to see details.

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

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.

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

Rewards certificates 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 information on IKEA FAMILY, click here.

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).

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%*.

*Click here to see details.

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. Click here to get pre-qualified.

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.

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