Comenity Capital Bank
IKEA® Credit Card Review 2026
5% back on IKEA purchases including installation and TaskRabbit assembly — no annual fee, lower-than-average APR.
Who IKEA® Credit Card is best for
IKEA shoppers furnishing a home who want rewards on furniture, installation, and assembly, with a Visa option for everyday spend too.
At a glance
- Annual fee
- $0
- Purchase APR
- 21.99%
- IKEA rewards rate
- 5% back
- Non-IKEA rewards (Visa only)
- 3% dining/grocery/utility
Both card versions — verified 2026
For new accounts, per Comenity Capital Bank
Furniture, home goods, installation, TaskRabbit assembly
General-purpose IKEA Visa version only
Pros
- +21.99% APR is meaningfully lower than most co-branded store cards (many run 28-36%)
- +5% back covers installation and TaskRabbit assembly, not just furniture
- +No annual fee on either version
- +Visa version earns rewards outside IKEA too (dining, grocery, utilities)
Cons
- −Store-card version is IKEA-only, no rewards elsewhere
- −1% base rate on the Visa's general-purchase category is modest
- −Reward Certificates, not cash — redeemable at IKEA only
- −Large furniture financing purchases can still add up fast on a store-card APR
IKEA® Credit Card requirements
- Fair-good credit typical
- US residents 18+
- Hard credit pull required
Not sure which card fits?
Answer 3 quick questions and get matched to the right card type for your spending profile.
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See all picks in IKEA Credit Card: Complete 2026 Guide (Visa vs. Store Card)
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
IKEA® Credit Card scores 4.0 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: IKEA shoppers furnishing a home who want rewards on furniture, installation, and assembly, with a Visa option for everyday spend too.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about IKEA® Credit Card
Is the IKEA credit card APR fixed or variable?+
IKEA's Comenity-issued cards carry a purchase APR that moves with market rates; as of the most recent disclosure the rate for new accounts is 21.99% — verify the current rate at comenity.net/ikeavisa since it can change.
Can I use the IKEA store card version anywhere else?+
No — the IKEA store card (also referred to as IKEA Projekt) is usable at IKEA locations and ikea.com only. For rewards outside IKEA, the IKEA Visa is the general-purpose option.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the IKEA Visa and IKEA store credit cards. Both cards are issued by Comenity Capital Bank. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms directly with the issuer before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.