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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

Free

standard shipping & delivery4
on in-store IKEA purchases

made with your IKEA Visa credit card
now through 8/31/18. Delivery area limitations apply and vary based on store location of purchase.

Bonus

$25 IKEA Reward Certificate5

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 fee6
  • Emergency card replacement
    & cash disbursement
  • Convenient lost or stolen card reporting
  • Zero liability7
  • Auto rental protection8
  • Automatic enrollment in
    the IKEA FAMILY loyalty
    program if you're not already
    an IKEA FAMILY member

1-8Click 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 60-month promotional financing on a purchase of $5,000 or more, making it a great financing solution for 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).

Special financing when you use the IKEA® Projekt card:

4.99% for 60 months,
after that 21.99%
standard purchase APR *

Equal monthly payments

$5,000 minimum purchase

*, **Click here to see details.

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

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 $5,000 or more. See above for details on the 60 month special financing plan.*

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.