Explore flexible financing options at IKEA

At IKEA, we believe a well‑designed, functional home should be within reach. That’s why we offer flexible financing^† options that help you move in, settle down or scale up, on terms that work for you.

IKEA Projekt Card | IKEA Visa Card | Afterpay | Slope

Hej! Pre-approved for the IKEA Visa® or IKEA Projekt Credit Card?

Yes, take me to the credit cards page for more info

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Make space for big plans, with 0% interest

Once approved, get 0% interest for 6, 12, 24 months. After that, purchase APR of 21.99%. On purchases of $500 or more for 6 months, $1,000 or more for 12 months or $2,500 or more for 24 months made with your IKEA Projekt Credit Card.^

Earn 5% back every time you shop at IKEA

Shopping just got even more rewarding. Earn 5% back in rewards, plus take $25 off your minimum purchase of $25 or more when you open and use the IKEA Visa® Credit Card immediately upon account opening.

Shop now. Pay later.

Furnishing your home comes in waves. Your payments can too. Split the cost into four interest-free payments, with no fees when you pay on time.*

Big plans for your business? Start with up to $350k

IKEA has partnered with Slope to offer buy now, pay later options for business purchases. Get up to $350K in instant credit with Net 30 or 60 terms at 0% interest. See if you qualify.

¹Offer 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 comenity.net/ikeavisa. IKEA purchases include IKEA installation services and TaskRabbit purchases.

²Waived Interest, Payment Required plan: 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. 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. 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 2026, terms for new Accounts: Purchase APR of 21.99%. Minimum interest charge is $3 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

³Cannot be combined with other offers. Valid one time only. The entire transaction amount 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 assemble and IKEA installation services. 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 be received as a statement credit within 1-2 billing statements. If your in-store application is approved and you make a same day $25 or more qualifying purchase in-store, the $25 off First Purchase offer will be automatically redeemed.

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