If you’ve ever walked into IKEA for one thing and left with $300 worth of home essentials and a cinnamon bun — yeah, this card is for you. But is the IKEA® Credit Card a good deal in 2025?
Let’s look at what it offers, what to watch out for, and whether it’s worth a spot in your wallet.
| Purchase Type | Rewards Rate |
| IKEA purchases (in-store & online) | 5% back |
| IKEA services (installations, assembly via TaskRabbit) | 5% back |
| Dining, grocery stores, and utilities | 3% back |
| All other purchases | 1% back |
No Annual Fee
Yup — this card has no annual fee, which already puts it ahead of many retail cards. If you use it wisely, the rewards are basically free money.
How the Rewards Work
This is not a cash back card. Your rewards come in the form of IKEA Reward Certificates, which:
- Can only be used at IKEA
- Are sent out once you reach $15 in rewards
- Usually expire in 90 days
So if you’re not shopping there often, you might not get much value out of it. This card favors regular customers.
Approval Odds & Credit Requirements
The card is issued by Comenity Capital Bank, which is known for being relatively lenient with approvals. It’s a decent option if you:
- Have average to good credit (usually 640+)
- Want to build your credit with responsible use
- Don’t want a super strict rewards card to start with
High APR Warning
Like most store cards, the IKEA® Visa® carries a high variable APR, often around 25% or more. So while the rewards are decent, carrying a balance wipes out any benefit.
Pay in full each month, or this card turns into a liability real quick.
Sign-Up Bonus?
Sometimes there’s a limited-time offer, like “Get $25 off your first IKEA purchase” when approved. These change frequently, so check the latest offer here.
Who IKEA® Credit Card is Best For
This card is a solid fit if you:
- Shop at IKEA multiple times a year, either in store or at ikea.com
- Are furnishing a room, dorm, or apartment
- Want a no-annual-fee card with decent rewards for groceries, dining, and bills
- Don’t need flexible cash back or travel perks
You might want to pass if:
- You rarely shop at IKEA
- You want cash rewards or statement credits
| Card | Rewards | Redemption | Annual Fee |
| IKEA Visa® | 5% IKEA, 3% dining/grocery/utilities, 1% other | IKEA-only | $0 |
| Amazon Prime Visa | 5% at Amazon, 2% restaurants/gas/drugstores | Statement credit or cash | $0 (w/ Prime) |
| Citi Double Cash | 2% on everything | Cash or statement credit | $0 |
Final Verdict: Is It Worth It?
If you’re an IKEA regular, this card is for you. The 5% back stacks up quickly, and the 3% on everyday categories gives it some real-world utility. No annual fee is a nice feature.
Ready to start earning rewards on your IKEA runs? Learn more about the IKEA® Visa® Credit Card here.
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