Ikea Credit Card Review


Ikea is one of the most popular furniture retailers in the world. And for good reason: their products are cheap, easy to assemble, and stylish. But how safe are Ikea products really? We took a look at Ikea’s credit card and found some pretty concerning details. For one, the interest rates are incredibly high; at 23.9%, it’s more than double the average rate of 8%. And worst of all, there are no annual fees, so you’re essentially paying for the privilege of carrying an Ikea credit card. If you’re considering applying for an Ikea credit card, be sure to read our full review first!

Ikea Credit Card Basics

The Ikea Credit Card is a good way to earn rewards and save money at the Swedish home goods store. The card has low interest rates, no annual fees, and a generous rewards program.

To get started with your new Ikea Credit Card, you first need to open an account. This can be done online or over the phone. Once your account is open, you will need to choose a payment method. You can choose between a Visa or Mastercard credit card.

Once your card is approved, you will be able to make purchases at Ikea using the card as normal. There are two main ways to earn rewards with your Ikea Credit Card: points and cash back.

Points can be earned for every dollar spent on eligible purchases at Ikea. These points can then be redeemed for free items, gift cards, or travel rewards. You will receive 1 point for every $1 spent on all qualifying purchases, including in-store and online shopping. There is no limit to the amount of points that you can earn each year.

Cash back can also be earned on qualifying purchases at Ikea. This cash back is deposited directly into your bank account each month. You will receive 5% cash back on all qualifying purchase made with your card, plus an additional 2% cash back for every $1 spent in bonus categories (like furniture or decor). There is no limit to how much cash back you can earn each month.

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Ikea Credit Card Fees and Rates

Ikea Credit Card Review

If you’re in the market for a new credit card, your first stop should be Ikea. The Swedish furniture retailer is one of the most popular places to spend your hard-earned money, so it’s no surprise that its own card is one of the most popular around.

Here’s what you need to know about Ikea’s credit card:

1. It has a low annual fee of $0 intro for the first year. After that, it’s $19 per year.
2. There are no foreign transaction fees when using the card in countries outside of the U.S., Canada and Europe.
3. Interest rates are relatively low, with a standard APR of 14% – 24%. That said, there is a 0% introductory offer available for the first 12 months on purchases and balance transfers made within that time period. After that, the APR ranges from 14% – 26%.
4. Finally, Ikea offers free shipping on all domestic orders over $49 and free returns on all online orders… up to 45 days after purchase (plus an easy return process if you need more time).

Ikea Credit Card Rewards

If you love Ikea, then you’re going to love the Ikea Credit Card Rewards! This card lets you earn points on everything you purchase at Ikea, both in store and online. And the best part? You can use those points to get huge discounts on your next purchase!

To get started, sign up for the Ikea Credit Card Rewards and link your bank account. Then, start shopping! Whenever you make a purchase at either Ikea stores or online, you’ll automatically earn points. And if you have an active membership in the rewards program, your points will be doubled! Plus, if you register your card before May 1st, 2019, then you’ll get an extra 25% bonus on all points earned during the first year of card ownership!

So what are you waiting for? Go ahead and start stocking up on furniture from Ikea today with your new Ikea Credit Card Rewards!

How to Use the Ikea Credit Card

If you’re looking for a way to rack up some extra cash at Ikea, the Swedish home goods store has you covered. The Ikea Credit Card offers cardholders 10% off their first purchase and 5% off every subsequent purchase at the store. Plus, if you make any major purchases over $500 within the first 3 months of opening your account, you’ll earn an additional 25% off your total order.

To get started, open a new Ikea Credit Card account online or in-store. In addition to your standard card details (name, address, etc.), be sure to provide your credit score and income information. This will help ensure that your account is approved and that potential charges are taken into consideration before being charged to your account.

Once you have an active Ikea Credit Card account, it’s time to start shopping! All major purchases made with your card will earn you rewards points which can be redeemed forcash or products at the store. To maximize your savings, try to make larger purchases towards the beginning of each month so that you have a higherpoint balance by the end of the month. Remember: every point equals $0.01 worth of rewards!

If you have any questions about using your Ikea Credit Card or would like more information on how the program works, please don’t hesitate to contact customer service via phone or online chat. They would be happy to help!


If you’re looking for an affordable way to furnish your home, Ikea may be a great option. But before you go shopping there, make sure to read our review of the Ikea credit card. This card has low interest rates and no annual fees, but it does have some stipulations that you should be aware of.