17 cards ranked
Best credit card to use at IKEA.
Home ImprovementOnline Shopping
IKEA is the largest global home-furnishings retailer with about 50 U.S. warehouse stores plus a planning-studio network. In-store charges typically code as furniture or home improvement; ikea.com codes as online shopping. The IKEA Family loyalty program is free and issues member-only pricing plus a free coffee/tea on store visits. The IKEA Visa Credit Card offers 5% back at IKEA on purchases — typically the strongest rate for heavy buyers.
Picks without a tag earn at IKEA both in-store and online. Watch for theOnline onlytag — those bonuses only apply on ikea.com.
- #1Discover it Cash Backthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #2Discover it for Studentsthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3NHL Discover itthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #45.0%5x points
- #5Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #63.0%3x points
- #73%
- #82%
- #92%
- #10First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #11Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #12American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #13Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #142%
- #152%
- #162%
- #172%
Last updated May 17, 2026