What Credit Cards Does Ikea Accept?

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When it comes to shopping at IKEA, whether you’re browsing through their vast aisles in-store or scrolling through their digital catalog, knowing the payment methods accepted is crucial. In this comprehensive guide, we’ll explore the different credit cards IKEA accepts, the benefits of IKEA’s own credit cards, and other vital aspects of making payments at IKEA.


IKEA accepts all major credit cards, including Mastercard, Visa, American Express, and Discover, both in-store and online. They also accept digital wallets like Apple Pay, Google Pay, and Samsung Pay. In addition to these, IKEA offers their own branded credit cards: the IKEA Visa Credit Card and the IKEA Projekt Credit Card.

Credit Cards Accepted at IKEA Stores

IKEA accepts a wide range of payment methods at their physical store locations. These include all major credit cards such as Mastercard, Visa, American Express, and Discover. If you prefer contactless payment, IKEA also accepts digital wallets like Apple Pay, Google Pay, and Samsung Pay. Cash and IKEA gift cards are also welcome.

Online Payments: Accepted Credit Cards

When it comes to online shopping, IKEA continues to offer flexibility in payment methods. You can use your IKEA gift cards (with PIN), American Express, Discover, MasterCard, VISA, and PayPal. Please note that international credit cards may not be accepted for online orders. Customers with a credit card issued outside of the US are advised to contact the IKEA US Customer Support Center to place an order.

IKEA’s Own Branded Credit Cards

IKEA offers two credit cards with unique benefits to frequent IKEA shoppers: the IKEA Visa Credit Card and the IKEA Projekt Credit Card.

The IKEA Visa Credit Card offers rewards such as 5% back on IKEA purchases, 3% back on dining, grocery, and utility purchases, and 1% back on all other purchases. However, it’s important to note that IKEA “Reward Dollars” are automatically redeemed for IKEA Reward Certificates in $15 increments, which expire 90 days from the date they are issued.

The IKEA Projekt Credit Card is designed for larger purchases, offering 0% interest for 6, 12, or 24 months on purchases of $500, $1,000, or $2,500 or more respectively.

Credit Card Payment Apps

IKEA has adapted to the digital age by accepting payment through credit card payment apps such as Apple Pay and Google Wallet. This allows for a seamless and contactless payment experience.

Credit Card Verification and Security

IKEA takes the security of its customers very seriously. The company requires the credit card’s Security Code to prevent unauthorized transactions. IKEA’s online payment system also uses advanced software encryption to keep transactions secure.

Common Customer Experiences

While most customers have a smooth experience when using credit cards at IKEA, some common issues include reward certificates expiring quickly, payment being declined due to multiple order attempts, and high APR on the IKEA Visa Credit Card.

IKEA Family Loyalty Program

The IKEA Family Loyalty Program works in conjunction with the IKEA Visa credit card to offer additional benefits to cardholders. Some of these benefits include special delivery pricing, 90-day price protection, and access to special product offers and exclusive events.

In conclusion, IKEA offers a variety of payment options to accommodate its customers’ needs. Whether you’re furnishing a new home or picking up a few essentials, understanding IKEA’s payment methods can help you plan your purchases and maximize your rewards. Remember to always check the terms and conditions of your credit card and IKEA’s policies to ensure a smooth shopping experience.

Frequently Asked Questions

Does IKEA accept debit cards?

Yes, IKEA accepts debit cards. However, ensure it bears the logo of a major credit card company like Visa or MasterCard.

Can I use multiple payment methods for one purchase at IKEA?

Yes, IKEA allows customers to use multiple payment methods for one purchase. You can split the payment between a credit card and an IKEA gift card, for instance.

Can I make payments over the phone for IKEA purchases?

IKEA currently does not accept payments over the phone. All purchases should be made either in-store or through the IKEA website.

Can I use my IKEA Visa Credit Card at other stores?

Yes, you can use your IKEA Visa Credit Card at other stores. However, the rewards you earn will vary depending on the type of purchase.

How can I check the balance on my IKEA Gift Card?

You can check the balance of your IKEA Gift Card by visiting the IKEA website or by calling the number provided at the back of your gift card.

Can I use my IKEA Reward Certificates online?

Yes, IKEA Reward Certificates can be used for both in-store and online purchases.

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