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IKEA® Visa® Credit Card

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This card offers cash back with a solid return on spend and a handful of benefits if you’re a regular at IKEA and you’d like to step up your rewards game.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 21.99%

IKEA® Visa® Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 5% back in rewards on IKEA purchases
  • 3% back in rewards on:
    • Dining
    • Groceries
    • Utilities
  • 1% back in rewards on all other purchases
Introductory Bonus
  • $25 off your first IKEA purchase when you open and use your card on the same day; $25 bonus IKEA Reward Certificate when you spend $500 or more outside of IKEA within the first 90 days of account opening

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.99%
Balance Transfer Fee 5%, $10 minimum
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 23.99%
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
  • Auto Rental Insurance
IKEA® Visa® Credit Card


  • $25 off your first IKEA purchase when you open and use your card on the same day
  • $25 bonus IKEA Reward Certificate when you spend $500 or more outside of IKEA within the first 90 days of account opening
  • 5% back in rewards on IKEA purchases
  • 3% back in rewards on dining, groceries, and utilities
  • Emergency card replacement & cash disbursement
  • Auto rental protection
  • No annual fee
  • No foreign transaction fee

Comenity Capital Bank

Comenity Capital Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

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If you love IKEA, take a moment to consider their rewards card.

You can earn rewards for just about all of your spending, including 5% back in rewards on IKEA purchases, 3% back in rewards on restaurants, groceries, and utilities, and 1% back on everything else you buy. Rewards are pretty much the same as cash back, except you can only use them for purchases at IKEA.

You’ll get a couple benefits such as emergency card replacement and cash disbursement, plus auto rental protection. You may get approved for a Visa Signature version of this card which will likely come with more benefits.

This card has no annual fee or foreign transaction fee.

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