Best Credit Cards for IKEA Shopping 2018 from our partners

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Looking for IKEA Credit Card?

Nothing says affordable, stylish home furnishings like IKEA. The Swedish-based company was founded in 1943, and today operates more than 350 stores in 48 countries. The company focuses on eco-friendly, simple, cost-effective furniture, and has grown into a multi-billion-dollar business with nearly 150,000 employees and over 450 million visitors annually.

IKEA offers different financing options to its consumers which include a credit card. While IKEA credit cards are available in different countries, IKEA USA stopped offering a credit card to its U.S. customers in 2011. However, consumers here can get an IKEA alternative credit card when they need help financing a big-ticket purchase or simply want to earn rewards.

The IKEA Credit Card

The IKEA Credit Card is no longer issued in the U.S.

Maximize Your Savings with Rewards Credit Cards

Excellent, Good Credit
Apply for Discover it® Cash Back - Credit-Land.com APPLY ONLINE
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  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro APR on Purchases
0% (14 months)
Regular APR on Purhases
13.99% - 24.99% Variable
Intro APR on Balance Transfer
0% (14 months)
Annual Fee
$0
See more details
Excellent, Good Credit
Apply for Discover it® Miles - Credit-Land.com APPLY ONLINE
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  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
Intro APR on Purchases
0% (14 months)
Regular APR on Purhases
13.99% - 24.99% Variable
Intro APR on Balance Transfer
10.99% (14 months)
Annual Fee
$0
See more details
Apply for Citi® Double Cash Card – 18 month BT offer - Credit-Land.com APPLY ONLINE
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  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
Intro APR on Purchases
N/A
Regular APR on Purhases
15.49% - 25.49%* (Variable)
Intro APR on Balance Transfer
0% 18 months on Balance Transfers*
Annual Fee
$0*
See more details
Apply for Capital One® VentureOne® Rewards Credit Card - Credit-Land.com APPLY ONLINE
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  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
Intro APR on Purchases
0% intro on purchases for 12 months
Regular APR on Purhases
13.74% - 23.74% (Variable)
Intro APR on Balance Transfer
N/A
Annual Fee
$0
See more details
Apply for Capital One® Quicksilver® Cash Rewards Credit Card - Credit-Land.com APPLY ONLINE
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  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro APR on Purchases
0% intro on purchases for 15 months
Regular APR on Purhases
14.74% - 24.74% (Variable)
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Annual Fee
$0
See more details

Consumer credit cards like the cards above are accepted at IKEA U.S. stores and online at ikea.com. These cards may not give you access to IKEA perks but they have their own benefits. Some cards come with a 0% intro APR on purchases which is a good alternative to IKEA financing. Another good benefit a regular credit card can have, is a rewards program. You can choose to earn cash back, points or miles rewards. Also, many offer sign-up bonuses which you can get by meeting some requirements.

It is possible to finance your IKEA purchases even if the furniture retailer no longer offers a credit card. There are lots of alternative cards so you should not have a problem finding one that works best for you.

IKEA Financing Options

So does IKEA offer U.S. customers financing? IKEA special financing is offered in Canada and in European countries, but not in the U.S. While many European consumers take advantage of 12-months or even sometimes 48 months of interest-free financing, U.S. consumers can't take advantage of this. Special financing at IKEA was stopped several years ago. Today, U.S. shoppers can only take advantage of discounts, special sales events, and IKEA Family membership deals.

However, the fact that IKEA's interest-free financing was stopped should not be an obstacle to furnishing your home. IKEA accepts major credit cards, which means you can apply for a 0% intro APR credit card to finance a big purchase at the store. Credit card rewards from an outside issuer plus IKEA membership discounts via IKEA's Family membership add up to a sweet deal.

No Annual Fee Credit Cards with 0% on Purchases

Discover it® Cash Back
Intro APR on Purchases
0% (14 months)
Regular APR on Purchases
13.99% - 24.99% Variable

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.

Capital One® VentureOne® Rewards Credit Card
Intro APR on Purchases
0% intro on purchases for 12 months
Regular APR on Purchases
13.74% - 23.74% (Variable)

Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel

See Other Credit Cards with 0% on Purchases

Almost all major banks and big credit card issuers offer credit cards with 0% introductory interest rates for a period of time, which vary from half a year to two years, so consumers can easily find a credit card with a zero interest period. The introductory period is a limited-time offer and it is important to know when it ends to make sure the balance will be paid off on time in order to save on interest payments.
When you choose a credit card with 0% APR, you should remember that this zero interest is not always zero if you don't pay on time. Some credit cards offer deferred interest, which means you won't pay interest as long as you are making on-time payments and pay off the card balance by the end of the 0% introductory period. If you are late with a payment or fail to pay off the card balance in full on time, you will be charged interest back to the first day of the period. Deferred interest is common for store credit cards. The credit cards that are issued by major banks, like the cards above, don't generally come with deferred interest plans. Often, they come with 0% intro APRs and with benefits like no penalty fees and no interest rate increases for late payments.

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Questions & Answers about IKEA Cards

IKEA stopped accepting new application in 2011 because they were no longer able to offer low-cost financing options to their customers. All previously issued IKEA credit cards were also closed by 2011. However, even though IKEA credit...

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...

IKEA stopped accepting new application in 2011. However, you can still make purchases using other credit card options. Try our low interest card offers. Using one of those you can purchase whatever you like at IKEA and get cash rewards....

Store Credit Cards vs Regular Credit Cards

It is important to understand the difference between store credit cards and regular credit cards when you are choosing a new credit card or planning to finance a big purchase. In some cases, it is better to have a store credit card, but sometimes a simple credit card that is not tied to any retailer turns out to be the best option in the long run.

Store credit cards are good for someone who shops at one particular store regularly. Thus, it will be possible to get the most out of a store credit card. If you appear at that store just occasionally or want to finance one big purchase, a store card may not be the best choice.

What is IKEA Family?

IKEA cards are no longer offered to the U.S. residents, but there is an IKEA Family membership program. If you want to finance a purchase, there are plenty of credit card options, including ones with no interest for a year or more.

The IKEA Family membership is a great way to shop at the furniture giant and get IKEA rewards when you do not have an IKEA credit card or IKEA store card. Membership is free, and there's nothing for you to do but shop, get great discounts and special offers. You can sign up on their website and easily manage your account online. You can also opt to have all of the special offers e-mailed to you so you'll always be informed of the latest deals.

When you sign up, you can choose to get the IKEA catalog mailed to you when it's updated, so you'll always be in the know on the newest IKEA products. You can also buy an IKEA gift card for family or friends. But don't forget to register for the IKEA Family membership. It's a no-brainer. If you need to finance new home furnishings or something that caught your eye in the latest catalog, credit card offers on this page make it easy to finance the purchase.

IKEA Family Member Benefits

Being an IKEA Family member means you will receive perks and benefits for your loyalty. Since there is no IKEA credit card for the U.S., the IKEA Family program is the easiest and cheapest way to save on IKEA purchases. The registration for the IKEA Family loyalty program is free and once you are a member, you get access to benefits below and a free coffee or hot tea anytime you shop at IKEA.
  • Monthly Product Discounts. Every month, IKEA places a selection of products on sale with members-only prices just for IKEA Family members.
  • 90-Day Price Protection. IKEA refunds the difference if a purchased product goes on sale at a lower price any time within 90 days after the purchase.
  • Food Offers. Members get discounts on selected items in the in-store IKEA Restaurant or Swedish Food Shop.
  • Extra Smaland Time. Members' children can play extra 30 minutes in SMALAND.
  • A Chance to Winn a Gift Card. Every month, one IKEA Family member who wins a $100 IKEA gift card is randomly selected from each store.

How to Become an IKEA Family Member

The IKEA Family membership is absolutely free and you can join any time you wish. The membership opens doors to members-only discounts, benefits, and freebies like free coffee or hot tea or a frozen yogurt cone. The registration process for the IKEA Family program is fast. To start the registration, simply go to the IKEA Family page on ikea-usa.com and follow the steps below:
  1. Provide e-mail address
  2. Enter your name (including birth date) and street address (including ZIP code)
  3. Create your password and select a security question and preferences and you are done.
Once you register, you will be assigned a number (you will see a bar code with your number). IKEA doesn't mail out IKEA Family cards. You can simply use this number when shop at IKEA. If you prefer to have a physical card in your wallet or add a pass to your keychain, just visit a local IKEA store to print it at one of the IKEA Family kiosks.

IKEA Family Card

When you are an IKEA Family member, you can get your IKEA Family card. The card won't be sent to you automatically after registration. IKEA does not mail out the cards. However, you can get it at any IKEA store. To get a physical card, you should first log in to your IKEA Family account and print a page with your IKEA Family number and QR code on it. Then follow the steps below:
  1. Visit any IKEA store and bring the printout.
  2. Scan the QR code at any of the in-store IKEA Family kiosks.
  3. The kiosk will print out your card.
Note that the card number will be different than one shown on the printout. Both numbers will be associated with your IKEA account. Now, when you have your card, you should scan it each time you shop to enjoy benefits of IKEA Family program.

Use IKEA Family Card with Rewards Credit Card

You can save more on your IKEA purchases if you combine your IKEA Family Card with one of the rewards credit cards. Just use a rewards credit card to pay at IKEA and you may double the savings. Here's how it works:

  1. Grab IKEA special offers as an IKEA Family member.
  2. Earn rewards by paying for your IKEA buys with a rewards credit card

IKEA Family Card
Ikea Family Card
Special Offers for Cardmembers
INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
MORE Benefits & Savings

Yes, you can. IKEA Family loyalty program is still available to US consumers. Joining the program you will have access to additional product discounts. If you want to save more, think of getting a rewards credit card. You will be able to...

IKEA FAMILY is a free-to-join program, which has special offers for the members. Having applied for a family card, you get member prices, even more sales (extra 10% off sales prices), free product insurance, free tea or coffee, free...

Want to Earn Rewards for Shopping at IKEA? Choose a Rewards Credit Card

Discover it® Cash Back
Apply for Discover it® Cash Back - Credit-Land.com
APPLY ONLINE
Excellent, Good Credit
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Citi® Double Cash Card – 18 month BT offer
Apply for Citi® Double Cash Card – 18 month BT offer - Credit-Land.com
APPLY ONLINE
Excellent, Good Credit
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Capital One® QuicksilverOne® Cash Rewards Credit Card
Apply for Capital One® QuicksilverOne® Cash Rewards Credit Card - Credit-Land.com
APPLY ONLINE
Average, Fair, Limited Credit
Earn unlimited 1.5% cash back on every purchase, every day

How to Choose the Best Credit Card Rewards Programs

For many consumers, a cash back credit card is optimal. Cash back rewards are easy to comprehend and calculate, and even easier to redeem. However, cash back rewards are not the only rewards you can earn. There are point rewards and miles rewards programs as well. Many people are familiar with reward miles, though points may be a different animal for some consumers. But once you understand how points work, you may prefer them.

Cash Back Rewards
Good for those who are new to the world of rewards and want to get their first credit card with rewards. Cash back rewards are easy to earn and spend.
Miles Rewards
Frequent travelers prefer this type of travel rewards because of additional earnings on travel purchases. Redemption options are also connected with travel.
Points Rewards
Point rewards are usually offered with co-branded credit cards. Often, specific shopping categories allow cardholders to earn additional points all the time or on a rotating basis.

IKEA Gift Card

While IKEA credit cards are not offered to the U.S. consumers, anyone can buy or receive an IKEA Gift Card. The cards are available for purchase online at ikea-usa.com and in-stores at any participating IKEA store. The maximum cards value is $1,000 and the minimum is $5. Gift cards are redeemable at IKEA US stores and online. You can purchase merchandise, services, food and beverages but you cannot redeem your IKEA gift card for cash or to purchase another card.

IKEA gift cards do not expire. You can use them as long as there is money on the card. In case you want to know the IKEA gift card balance, you can call 1.888.888.IKEA (4532) or inquire it when visit a local IKEA store.

When you need an IKEA gift card immediately, you can go to the IKEA website to buy an IKEA eGift card. The card can be personalized with a message and it will be delivered directly to the email requested the same day so they are great for last-minute gifts. IKEA eGift cards work like all gift cards: they can be redeemed at any IKEA location in the U.S.A. and online at www.ikea-usa.com.

You can purchase an IKEA gift card at any participating store and online at the IKEA website. An IKEA eGift card is also available at the website. IKEA gift cards make a great present when it's hard for you to find a specific gift for...

To easily check your balance call 1.888.888.IKEA (4532). You may also inquire regarding your balance at any IKEA store in the United States. The balance you receive when inquiring in any of these ways is an estimate only. In most cases,...

See All Questions Ask Your Question

IKEA Online Shopping

Visiting an IKEA store is an event and can be lots of fun, but sometimes one simply does not have time or a nearby IKEA store to indulge. That is when IKEA online store comes in handy. You can browse the IKEA site and select items you like or you can look through the latest IKEA online catalogue to get inspiration or ideas. Make your shopping online even easier with the IKEA Store app. This app allows you to choose items and add them to a list so you could find them fast when you are at an IKEA store.

Also, there are some useful services available online. IKEA offers online planning tools to design kitchen, wardrobe, storage, office or a child's room. If you do not know how to assemble your sofa or desk, look for assembly videos or downloadable instructions. Another service you may like is the IKEA Gift Registry. This service allows you to make lists of gifts you would like to receive and share the list with your friends and family for gift-giving season.

How to Shop Online at IKEA

Shopping at IKEA online is easy. IKEA offers online delivery to a home or office right from the distribution centers. Here's how to shop at IKEA online:
  1. Log in to your IKEA account and browse the site.
  2. Save the items you like to a list to buy them later or add them to a shopping cart to buy now.
  3. Go to shopping cart to review your purchase, add a coupon (if you have one) and specify the delivery address.
  4. Calculate delivery and go to check out to confirm the delivery address.
  5. Check all information and pay. If you have an IKEA gift card, choose 'Pay with IKEA Gift Card.'
Remember that you can edit your purchase (add or remove items) at any stage before you pay for it. If you have IKEA coupons, do not forget to apply them before you calculate the total. IKEA gift cards are also accepted as a method of payment when you shop online.

Compare Other Credit Cards for Shopping

Credit Cards Intro APR on Purchases Regular APR Annual Fee Max. Rewards
Discover it® Miles
Credit Cards Intro APR on Purchases Regular APR Annual Fee Max. Rewards
Discover it® Miles 0% (14 months) 13.99% - 24.99% Variable $0 1.5x Miles per dollar on all purchases
Citi® Double Cash Card – 18 month BT offer
Credit Cards Intro APR on Purchases Regular APR Annual Fee Max. Rewards
Citi® Double Cash Card – 18 month BT offer N/A 15.49% - 25.49%* (Variable) $0* Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Discover it® chrome
Credit Cards Intro APR on Purchases Regular APR Annual Fee Max. Rewards
Discover it® chrome 0% (14 months) 13.99% - 24.99% Variable $0 2% cash back at gas stations & restaurants on up to $1,000 in combined purchases each quarter

IKEA Shopping Tips

  1. Have a plan. Entering IKEA store without a plan and without a list of items you are going to buy may turn your trip into a disaster. Prepare a list of items you are going to buy, check availability, write article numbers, study IKEA Buying Guides and take measurements.
  2. Study the map. Once you are at an IKEA store, don't rush in the depths of the store right away. Take a look at the store map. The map is divided into two sections: Showroom and Marketplace. Study the map and note the shortcuts. When you know what you need and where to look for it, shortcuts will save you a ton of time.
  3. Drop the kids off. IKEA has a supervised play area for children called Smaland. The playroom is free and children can stay there for an hour, or for an hour and a half if you are an IKEA Family member.
  4. Get IKEA Family membership. The membership is free and gets you some perks and benefits. As a member, you can get discounts, free coffee or tea and other food deals.
  5. Take pics of price tags. These pieces of paper are extremely useful. They list colors, materials, sizes and other information. But the most important information they have is the aisle and bin number where you can collect the item from the warehouse.
Updated: December 13, 2018
Related News
New IKEA Credit Card

The IKEA Visa credit card is now available, offering 5% back in rewards on IKEA purchases. People with this card also earn 3% back when shopping for groceries, eating out and paying for utilities. All other purchases get 1% back.

Continue reading MORE NEWS
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Discounts and special offers are available all year round. Werther you are a bargain hunter or an impulse buyer, make sure you check online discounts and special offers. Also, if you are a cardholder, see if your credit card opens the door...
Continue reading MORE RESEARCH
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