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IKEA Credit Cards

IKEA Visa credit card – for everyday rewards

Get more of the things you love from IKEA. The IKEA Visa Credit Card lets you earn on everyday purchases towards IKEA rewards. 

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IKEA Projekt credit card – for a large purchase

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.

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IKEA Visa Credit Card

IKEA Projekt Credit Card

0% interest for 6 months with a minimum purchase of $500 or more

After that, purchase APR of 21.99%* on purchases made with your IKEA Projekt Credit Card

False

True

0% interest for 12 months with a minimum purchase of $1,500 or more

After that, purchase APR of 21.99%* on purchases made with your IKEA Projekt Credit Card

False

True

0% interest for 24 months with a minimum purchase of $5,000 or more

After that, purchase APR of 21.99%* on purchases made with your IKEA Projekt Credit Card

False

True

$25 off your first IKEA purchase of $25 or more instantly when you open and use your IKEA Visa Credit Card immediately upon approval in-store3or receive a statement credit when you open and use your IKEA Visa Credit Card immediately upon approval online

True

False

5% back in rewards on IKEA purchases as well as Traemand installation and TaskRabbit assembly services1

True

False

3% back in rewards on dining, grocery stores and utility purchases2

True

False

1% back in rewards on all other purchases2

True

False

Bonus $25 IKEA Rewards Dollars4 when you make $500 in qualifying purchases outside of IKEA, Traemand and TaskRabbit within the first 90 days of opening an account

True

False

No annual fee5

True

True

Zero liability6

True

True

Automatic enrollment in the IKEA Family loyalty program if you’re not already an IKEA Family Member

True

True

Compare our cards

IKEA Visa Credit Card

IKEA Projekt Credit Card

0% interest for 6 months with a minimum purchase of $500 or more

After that, purchase APR of 21.99%* on purchases made with your IKEA Projekt Credit Card

False for Visa credit card

True for Projekt credit card

0% interest for 12 months with a minimum purchase of $1,500 or more

After that, purchase APR of 21.99%* on purchases made with your IKEA Projekt Credit Card

False for Visa credit card

True for Projekt credit card

0% interest for 24 months with a minimum purchase of $5,000 or more

After that, purchase APR of 21.99%* on purchases made with your IKEA Projekt Credit Card

False for Visa credit card

True for Projekt credit card

$25 off your first IKEA purchase of $25 or more instantly when you open and use your IKEA Visa Credit Card immediately upon approval in-store3or receive a statement credit when you open and use your IKEA Visa Credit Card immediately upon approval online

True for Visa credit card

False for Projekt credit card

5% back in rewards on IKEA purchases as well as Traemand installation and TaskRabbit assembly services1

True for Visa credit card

False for Projekt credit card

3% back in rewards on dining, grocery stores and utility purchases2

True for Visa credit card

False for Projekt credit card

1% back in rewards on all other purchases2

True for Visa credit card

False for Projekt credit card

Bonus $25 IKEA Rewards Dollars4 when you make $500 in qualifying purchases outside of IKEA, Traemand and TaskRabbit within the first 90 days of opening an account

True for Visa credit card

False for Projekt credit card

No annual fee5

True for Visa credit card

True for Projekt credit card

Zero liability6

True for Visa credit card

True for Projekt credit card

Automatic enrollment in the IKEA Family loyalty program if you’re not already an IKEA Family Member

True for Visa credit card

True for Projekt 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 USA purchases1, 3% back in rewards on dining, grocery store and utility purchases2, and 1% back2 in rewards anywhere else you use the IKEA Visa Credit Card.

    The IKEA Projekt Credit Card is a credit card that can only be used at IKEA USA. The IKEA Projekt Credit 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 Credit Card a great solution to fit your large project needs.


    Can I apply for both the IKEA Visa Credit Card and the IKEA Projekt 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 transactions. You’ll receive an IKEA Visa Credit Card welcome kit in the mail within 7-10 business days.


    How does $25 off first purchase discount work if I’m applying online?
    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

    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 Rewards? When do they expire?
    Rewards 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 more information, view the IKEA Family page.


    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).

  • Where can I use my IKEA Projekt Credit Card?
    Your IKEA Projekt Credit Card can be used at U.S. IKEA stores and IKEA.com/us/en on product purchases.

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

    Can I take advantage of the new financing plans if I'm already an IKEA Projekt Credit 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-$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 (that's no longer offered) to one of the current plans available?
    No, any previous IKEA Projekt Credit card purchases that are already on the previously offered 4.99% APR 60-month plan will remain on that plan. The current financing option are only available on new qualifying purchases with your IKEA Projekt Credit Card.

    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 $5,000.00 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 Credit Card can only be applied to IKEA product purchases.

    Can I get pre-qualified?
    Yes, you can get pre-qualified for the IKEA Projekt Creidt 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.

    How will I receive my IKEA Projekt Credit Card?
    Once approved, you will receive your IKEA Projekt Credit 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.

    How does IKEA Projekt 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 Projekt Credit 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.

    What is the customer service number?
    Call 866-337-5539 (TDD/TTY: 1-888-819-1918) for the IKEA Projekt Credit Card customer service line.

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IKEA Visa Credit Card Details


Rewards details

¹Offer is exclusive to IKEA Visa® Credit Card holders enrolled in the IKEA Visa Credit Card Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes. 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. IKEA purchases include Traemand and TaskRabbit purchases.

Rewards certificates are earned in $15 increments.

²Offer is exclusive to IKEA Visa® Credit Card holders enrolled in the IKEA Visa Credit Card Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes. 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. Rewards certificates are earned in $15 increments.

$25 off your first purchase details.

³Cannot be combined with other offers. Valid one time only. Maximum of $25. The entire transaction after discount must be placed on the IKEA Visa Credit Card. Exclusions: Prior purchases, payment on IKEA Visa Credit Card accounts, IKEA gift cards, TaskRabbit assembly and Traemand installation services. If your online application is approved and you make a same day qualifying purchase online of $25 or more, the $25 off First Purchase offer will appear within two billing cycles as a statement credit.

$25 Bonus reward details

⁴Valid one time only. 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. 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.

No annual fee details

⁵For new accounts, as of June 2021: Purchase APR of 21.99%. Balance Transfer APR of 26.99%. Cash Advance APR of 23.99%. Minimum Interest Charge is $2 per Credit Plan. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.

Additional benefit details

⁶Covers U.S.-issued cards only. Certain restrictions apply. See visa.com/zeroliability for details.Credit card offers are subject to credit approval.

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

**Suggested Payment Details


The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 6 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.



***Suggested Payment Details


The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 12 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.



⁺Suggested Payment Details


The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 24 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.



Promotional Credit Plan Details


Waived interest, Payment Required. No Interest for 6, 12, 24 months. After that, purchase APR of 21.99% on purchases of $500 or more for 6 months or $1500 or more for 12 months or $5000 or more for 24 months made with your IKEA Projekt Credit Card. 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. Minimum Payments are NOT guaranteed to pay the promotional plan balance within the promotional period.*

*All Promotional Plans

Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. Qualifying purchases will automatically be placed on a promotional plan. If purchase qualifies for more than one plan, it will be placed on the qualified plan with the longest promotional period. As of June 2021, terms for new Accounts: Purchase APR of 21.99%. Minimum interest charge is $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval.
IKEA Projekt Credit Card Accounts are issued by Comenity Capital Bank.