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Since you are planning to make a big purchase, a credit card with 0% intro APR on purchases and one time sign up bonus can be a good option for you. Such card will allow you to save on interest as you won't be charged interest during an introductory period. Once the introductory period is over, an ongoing interest rate will apply. The sign up bonus may allow you to save even more. Moreover, sign up bonuses do not usually come alone but with a rewards program allowing you to earn cash back or bonus points for every dollar spent. So you will be able to save on your IKEA purchase and on all other purchases you make anywhere.