Currently, IKEA only offers its IKEA Family Visa (and Projekt) credit cards to U.S. customers. There isn’t currently a co-branded IKEA credit card available in Canada.
However, that doesn’t mean Canadians can’t enjoy shopping at IKEA knowing that you’ll get some cash back on your purchases.
We’ll highlight a handful of the best credit cards that give more rewards in the furniture category, so you can maximize your next IKEA trip.
Key Takeaways
- The IKEA credit card is only available in the United States.
- The best credit card for shopping at IKEA is the Tangerine Money-Back credit card
- When looking for a credit card that earns rewards for IKEA purchases, select a card with increased earn rates for furniture purchases.
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What to look for in a credit card for shopping at IKEA
If you've got lots of purchases coming up at IKEA, what do you want in a credit card? You'll want one of these two things:
- A credit card with "furniture" as a category
- A card with a solid base earn rate everywhere
The first one is pretty rare. There's only a pair of cards that we know of that have this.
So, you'll want a card that offers one high rate, everywhere you shop. What this rate should look like depends on whether or not it has an annual fee.
If it's one with no annual fee, you'll want at least 1% back on purchases. If it has a fee, you'll want at least 1.5% back on everything, preferably closer to 2%.
If you want to customize and see some cards for yourself, head to our compare cards page, adjust your spending, and change your card preferences as you see fit to find a tailor-made card for you.
The best IKEA credit cards
Here's a handful of top cards, both with and without annual fees.
| Credit Card | Welcome Bonus | Earn Rates | Annual Fee, Income Requirements | Apply Now |
|---|---|---|---|---|
| Tangerine Money-Back Credit Card |  $120 GeniusCash + 10% extra cash back for the first 2 months (terms) | * 2% cash back on purchases in up to 3 Money-Back Categories * 0.5% cash back on all other purchases | * $0 * $12K personal | Apply Now |
| SimplyCash Preferred Card from American Express | 10% cash back for the first 3 months + $50 (terms) | * 4% cash back on gas and groceries * 2% cash back on all other purchases | * $119.88 * None | Apply Now |
| Marriott Bonvoy American Express Card | 50,000 bonus points (terms) | * 5 points per $1 spent at Marriott properties * 2 points per $1 spent on all other purchases | * $120 * None | Apply Now |
| Rogers Red Mastercard | None | * Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave, or Shaw * Earn 1% unlimited cash back on eligible non-U.S. dollar purchases * Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars | * $0 * None | Apply Now |
1. Tangerine Money-Back Credit Card & Tangerine Money-Back World Mastercard
The Tangerine Money-Back Credit Card is the one credit card (along with its sibling, the Tangerine Money-Back World Mastercard) that has an earn rate on furniture.
When you have a Tangerine Mastercard, you get to choose which categories you want to earn 2% back in. Furniture just happens to be one of them.
You can choose two categories if your rewards are applied as a statement credit. Or you can choose three if your rewards are sent to a Tangerine Savings account.
Already have this card and want to switch your categories? You can do that. But it takes time. The first time you change a category, the change takes effect in 30 days.
For subsequent changes, you'll have to wait 90 days for the change to apply. In essence, if you think a shopping spree at IKEA is in your future, you'll have to plan to get that 2% if it's not already one of your categories.
On all other purchases, you'll get 0.5% cash back. And all these rewards are yours for no annual fee.
Pros:
- Cash back is deposited every month
- Earn an extra 10% cash back for the first 2 months, up to $1,000 spent
Cons:
- Only earns unlimited 0.5% cash back on non-accelerator category purchases
- Limited insurance included
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2. SimplyCash Preferred Card from American Express
The Amex SimplyCash lineup offers a high base earn rate on all purchases, with some bonuses on gas and groceries.
Here, we'll focus on the SimplyCash Preferred Card from American Express. Here's what this card earns for rewards:
- 4% cash back on gas and groceries
- 2% cash back on all other purchases
Those are some excellent earn rates – they're among the best you'll find among cash back cards.
You'll also receive 10 types of insurance and your typical Amex benefits. As a note, this card comes with a monthly fee of $9.99.
Pros:
- 10% cash back for the first three months, up to $2,000 in spend. Plus, earn $50 when you make a purchase on month 13
- 10 types of insurance included
Cons:
- Lower acceptance as an American Express
- Cash back only paid out once per year
3. Marriott Bonvoy American Express Card
The Marriott Bonvoy American Express Card offers you plenty of rewards you can use to stay for free at hotels.
Here's what you'll earn for rewards:
- 5 points per $1 spent at Marriott properties
- 2 points per $1 spent on all other purchases
We value each Marriott point at 0.97 cents, giving all your IKEA purchases (and everything else) a return of 1.94%.
It also comes with an annual free night certificate. Every year, you'll get a certificate worth up to 35,000 Marriott points. Find any hotel night for less than that, and it's free.
Plus, you'll get automatic Marriott Silver Elite status for a $120 annual fee.
Pros:
- Get up to 50,000 welcome bonus points
- Automatic Silver Elite status
- Automatic Marriott Bonvoy benefits
Cons:
- Lower acceptance as an American Express
- Lower insurance coverage amounts compared to similar premium cards
4. Rogers Red Mastercard
The Rogers Red Mastercard is an excellent card to use anywhere, doubly so if you're a Rogers, Fido, or Shaw customer.
Here are the card's standard earn rates:
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave, or Shaw
- Earn 1% unlimited cash back on eligible non-U.S. dollar purchases
- Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars
And all this is for no annual fee.
Pros:
- No income requirements
- Redeem cash back at any time
- Five free Roam Like Home Days
Cons:
- Best deal only available to Rogers customers
- No insurance included
What the IKEA credit card offers in the United States
Curious what the IKEA credit card offers in the United States? Here's the quick summary.
You'll earn these rewards, which you can use towards future purchases at IKEA:
- 5% back on IKEA purchases and TaskRabbit assembly services
- 3% back on dining, groceries, and utility purchases
- 1% back on all other purchases
On top of this, you’ll get a bonus $25 IKEA Rewards Dollars when you make $500 in qualifying purchases on your IKEA Visa Credit Card outside of IKEA within the first 90 days of opening your account.
And it's all for no annual fee.
FAQ
Does IKEA have a credit card in Canada?
Unfortunately, the IKEA Family card is only available in the United States at this time. That said, there are some great credit cards that earn you increased rewards when shopping at IKEA.
What's the best credit card for IKEA?
The Tangerine Money-Back Credit Card is one of the best credit cards to use for shopping at IKEA since you can select furniture as one of your high-earning categories. You’ll get 2% back on your IKEA purchases.
Does IKEA have 0% financing?
Yes, you can get 0% financing at IKEA through their partnership with RBC and Afterpay. You can pay in installments and may qualify for 0% financing if you meet eligibility requirements.
Does IKEA take Amex?
Yes, IKEA accepts American Express as well as Visa, Mastercard, Google Pay, Apple Pay, gift cards, and Payplan by RBC. Some stores, but not all, accept cash. If you’re shopping online, you can also use PayPal or Afterpay.
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