IKEA has two credit cards, the IKEA Credit Card and the IKEA Store Card. The IKEA Credit Card comes with generous rewards and can be used everywhere Visa cards are accepted. On the other hand, the IKEA Store Card offers various financing options but it can only be used for purchases at IKEA.  

A Closer Look at the IKEA Credit Cards

The IKEA Credit Card has a $0 annual fee and a 21.99% APR. The card comes with the following rewards:

The IKEA Store Card has a $0 annual fee. The card offers an intro APR of 0% for:

• 6 months with minimum purchase of $500 or more
• 12 months with minimum purchase of $1,000 or more
• 24 months with minimum purchase of $2,500 or more

After the promotional period, the regular purchase APR of 21.99% kicks in.

Keep in mind that you need good credit or better to get the IKEA Credit Card. On the other hand, the IKEA Store Card on the other hand has more lenient approval requirements, as it requires at least fair credit. You can check your credit score for free on WalletHub to see where you stand.

You can make a IKEA Credit Card payment online, by phone, or by mail. To pay a IKEA Credit Card bill online, log in to your online account and click on “Pay Now.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.

Ways to Make a IKEA Credit Card Payment

• Online: Log in to your online account and click on “Pay...

You cannot check your IKEA Credit Card application status. But you usually get an instant decision when submitting an IKEA credit card application.

If your application is denied, you could try asking for a reconsideration by calling 1-866-387-6145 and making your case. If they don't change their decision, I'd suggest becoming an authorized user on someone else's account, or applying for a secured card instead.

Yes, you can use your IKEA Credit Card anywhere Visa cards are accepted, which is pretty much everywhere credit card payment is an option.

You can use it at 8 million merchants locations in the U.S. alone, as well as in more than 200 other countries and territories.

But the highest rewards are definitely store related: 5% back on IKEA USA purchases. Dining, grocery and utility purchases get you 3% and for everything...

The IKEA Credit Card payment address is:

Comenity Capital Bank
PO Box 650964
Dallas, TX 75265-0964

You can send payments for your IKEA Store Card, too, at the same address.

When paying the bill by mail, make sure to submit either a check or a money order for the payment amount. The issuer does not accept cash.

Tips For Mailing IKEA Credit Card Payments

• Include your credit card number on your payment to avoid any...

No, there isn't an IKEA credit card specifically designed for businesses. You can, however, use IKEA's general consumer credit cards for your business expenses. 

You can choose between the IKEA Store Card for people with fair credit, and the IKEA Credit Card for people with good credit.