IKEA® Visa® Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 21.99
At a glance
Furnishing and redecorating your home becomes five times more rewarding with the IKEA® Visa® credit card. Earn 5% back on all IKEA purchases and an extra 3% bonus on dining, groceries, and utility bills with no annual fee.
Our review of the IKEA® Visa® Credit Card
If you’re in the market for a credit card that offers great rewards without any annual fees, look no further than the IKEA Visa Credit Card. Whether you’re planning a move, looking to make upgrades to your rental, or just love a good DIY project, this card is perfect for you. With a simple rewards structure and no membership or spending requirements, it’s a hassle-free way to save on all your favorite IKEA products.
Earning Reward Dollars with IKEA Visa Bonus Categories
The IKEA Visa card offers a generous rewards program with a 5/3/1 bonus structure. Earn 5% back on IKEA, IKEA restaurant, Traemand, and TaskRabbit purchases, 3% back on dining, grocery, and utility purchases, and 1% back on all other purchases. Plus, you can earn bonuses on utilities, a rare bonus category that includes a wide range of daily services. With no limitations or caps on earnings, this card is a great way to earn rewards passively.
Redeeming Rewards
Reward Dollars earned with the IKEA Visa Credit Card can be redeemed for $15 Reward Certificates, which function as coupons to save on your total purchase at checkout. Reward Dollars expire after 36 months, so be sure to use them before they expire. Cardholders can view their Reward Dollars balance on their monthly statement and can access their rewards through their account center. Enroll in paperless billing to receive rewards faster and avoid losing Reward Certificates.
IKEA® Visa® Credit Card vs. IKEA Projekt Store Card
IKEA offers three credit cards, including the IKEA Projekt Store Card and the IKEA Visa Signature. The IKEA Visa card is an open-loop card that can be used anywhere Visa is accepted and offers rewards on everyday purchases. In comparison, the closed-loop IKEA Projekt Store Card offers special financing for IKEA purchases over $500. Choose the card that best suits your spending habits and needs.
Signup Bonuses & Introductory Offers
New IKEA Visa cardholders receive a one-time $25 discount on their first purchase after being approved for the card and making an IKEA purchase on the same day. Unfortunately, the IKEA Visa does not offer special financing like the IKEA Projekt Store Card, so keep that in mind when considering which card to apply for.
Limitations & Restrictions with the IKEA Visa Card
When it comes to redeeming rewards with the IKEA Visa card, there are some restrictions to be aware of. Rewards cannot be combined with other discounts, and Reward Certificates can only be used on IKEA merchandise, excluding the IKEA restaurant, gift cards, and shipping costs. Be sure to use your Reward Certificates before they expire, as they cannot be replaced if lost or undelivered.
Other Card Features
In addition to its rewards program, the IKEA Visa Credit Card offers EMV chip technology for contactless payments, a mobile app for 24/7 banking, and Visa Platinum benefits and protections. Enjoy features like Zero Fraud Liability, Emergency Card Replacement, and more with your IKEA Visa card.
Should You Apply for the IKEA® Visa® Credit Card?
If you’re a frequent IKEA shopper who loves to save on home décor and furnishings, the IKEA Visa Credit Card is a great fit for you. With no annual fee and generous rewards on IKEA purchases, it’s a low-maintenance card that can fund your next shopping trip. Consider your spending habits and shopping preferences to determine if the IKEA Visa Credit Card is the right choice for you. Apply today and start earning rewards on all your IKEA purchases!
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Receive $25 off for making an IKEA purchase the same day the card is opened
- Receive $25 off for spending $500 outside of IKEA
- 5% back in rewards on IKEA purchases (includes the restaurant), Traemand installation and TaskRabbit assembly services
- 3% back in rewards on dining
- 3% back in rewards on groceries
- 3% back in rewards on utilities
- 1% back in rewards on all other purchases
Who this card may suit
- You spend at least $300 at IKEA every three years
- You want to earn rewards for utilities such as electric, gas, cable, and phone services
- You frequently dine at the IKEA restaurant
- You already an IKEA FAMILY member
- You live near an IKEA showroom
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 21.99 |
| Balance Transfer APR | 26.99% |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 24.99% |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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IKEA® Visa® Credit Card
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