IKEA Credit Card Review: Everything You Need to Know

The IKEA credit card comes in two versions: the IKEA Visa Credit Card for everyday spending and the IKEA Projekt Credit Card for large furniture purchases with 0% financing. Both are issued by Comenity Capital Bank and come with no annual fee.

But are the IKEA credit card benefits actually worth it? After looking at the rewards structure, APR, and how they stack up against competing cards, here's what you should know before applying.

Before diving into the details, here's a quick overview of the IKEA Visa Credit Card's key terms and features.

The IKEA Visa Credit Card uses a tiered rewards structure that favors IKEA shoppers. Here's the breakdown:

• 5% back on all purchases at IKEA stores, IKEA.com, Traemand, and TaskRabbit assembly services
• 3% back on dining, grocery, and utility purchases
• 1% back on all other purchases

For frequent IKEA shoppers, that 5% rate is competitive. If you spend $2,000 at IKEA over the course of a year, that's $100 in rewards. The 3% on dining and groceries also adds up quickly since those are everyday spending categories.

New cardholders can earn two sign-up bonuses: $25 off their first IKEA purchase of $25 or more (when opened and used the same day), plus a $25 IKEA Reward Certificate for making $500 in qualifying purchases outside IKEA and TaskRabbit within the first 90 days.

This is the biggest limitation of the IKEA Visa Credit Card. The Reward Dollars you earn can only be redeemed at IKEA stores or IKEA.com.

You'll receive reward certificates in $15 increments as you hit each threshold. You can track and redeem your Reward Dollars through the Comenity online portal, or you can opt to have paper certificates mailed to you.

The $15 minimum creates an awkward gap. If you have $14.99 in rewards, you can't use any of it until you earn that extra penny. Compare that to cards like the Citi Double Cash, where you can redeem any amount as a statement credit.

IKEA offers two distinct credit cards that serve different purposes. Choosing the right one depends on whether you want everyday rewards or interest-free financing on large purchases.

The IKEA Visa Credit Card works anywhere Visa is accepted and earns rewards on all spending. It's designed for people who want to earn points on everyday purchases and happen to shop at IKEA.

The IKEA Projekt Credit Card is a store card that only works at IKEA. Its main draw is 0% interest financing on larger purchases:

• $500 to $999.99 in purchases: 0% APR for 6 months
• $1,000 to $2,499.99 in purchases: 0% APR for 12 months
• $2,500 or more in purchases: 0% APR for 24 months

After the promotional period ends, the standard purchase APR of 21.99% kicks in on any remaining balance. This makes the Projekt card a solid choice if you're furnishing a new home or doing a major renovation and need time to pay off a big IKEA order.

Most reports suggest you'll need a credit score of at least 670 (considered "good" on the FICO scale) for the best approval odds on the IKEA Visa Credit Card. The Projekt card may have slightly more flexible requirements since it's a store-only card.

You can check your credit score for free through services like Experian or Credit Karma without affecting your score. This is a soft pull that won't show up on your credit report.

Keep in mind that applying for the card does trigger a hard inquiry on your credit report, which can temporarily lower your score by a few points. If your score is below 670, you may want to work on building your credit before applying.

Here's an honest look at what works and what doesn't with the IKEA Visa Credit Card.

The IKEA Visa Credit Card makes sense in a pretty narrow scenario: you shop at IKEA regularly enough to earn and use reward certificates before they expire.

If you spend at least $300 per year at IKEA, you'll earn $15 in rewards (the minimum certificate amount). That's roughly one medium-sized shopping trip. Below that spending level, you won't even earn enough to redeem anything.

For the average consumer who visits IKEA a handful of times per year, a general-purpose cash-back card is a better pick. Cards like the Citi Double Cash (2% on everything) or the Chase Freedom Unlimited (1.5% on everything, 3% on dining and drugstores) offer more flexible rewards that you can use however you want.

The IKEA Projekt Credit Card, on the other hand, has a much clearer use case. If you're about to spend $1,000 or more at IKEA and want to spread payments over 12 months at 0% interest, that's a genuinely useful benefit. Just make sure you pay off the balance before the promotional period ends to avoid the 21.99% APR.

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You can manage your IKEA credit card online through the Comenity Bank portal. From there, you can pay your bill, view statements, check your rewards balance, and set up autopay.

Comenity also offers a mobile app for on-the-go account management. If you prefer phone support, you can call the number on the back of your card to speak with a representative.

For the Projekt card, the same portal applies. Just make sure you're tracking your promotional financing periods closely, since missing the end date of your 0% window means interest starts accruing at 21.99%.

If the IKEA credit card's limitations give you pause, consider these alternatives that offer better overall value:

• Citi Double Cash Card: Earns 2% back on every purchase (1% when you buy, 1% when you pay). No caps, no rotating categories, and rewards aren't locked to one retailer.
• Chase Freedom Unlimited: 1.5% on all purchases, 3% on dining and drugstores, 5% on travel through Chase. Great starter rewards card.
• Blue Cash Everyday from American Express: 3% at U.S. supermarkets (up to $6,000/year), 2% at U.S. gas stations and select department stores, 1% on everything else.

All three of these cards let you redeem rewards as statement credits, direct deposits, or gift cards to any retailer. That flexibility alone makes them more practical for most people than the IKEA Visa.

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