Ikano Life

The IKEA Family credit card is a Mastercard with a typical credit limit available from £500 to £7,500. It offers up to 56 days interest-free when you pay your balance in full and on time, and has a representative 23.9% APR (variable). You can also access instalment plans, rewards from IKEA Family and manage everything in the IKEA Financial Services app.

Representative example: With a credit limit of £1,200, your representative rate would be 23.9% APR (variable), based on a purchase rate of 23.9% p.a. (variable).

Once you’re approved for the IKEA Family credit card, you can start using it straight away through your virtual card in the app. You can add it to your digital wallet, set up payments, and manage everything in one place, while you wait for your plastic card to arrive – within 5-7 working days.

You can apply for the IKEA Family credit card using the IKEA Financial Services app in just a few steps. Most applications take under ten minutes, and you’ll often get a decision within minutes. If approved, you can start using your virtual card straight away.

The IKEA Family credit card may be right for you if you want to spread the cost of larger purchases, especially for your home. It offers flexible repayment options, including 0% instalment plans on eligible purchases, but it’s important to consider repayments, interest, and fees before applying.

Representative example: With a credit limit of £1,200, your representative rate would be 23.9% APR (variable), based on a purchase rate of 23.9% p.a. (variable).

To get the IKEA Family credit card, you need to be at least 18, live in the UK, and pass a credit and affordability check. You can check your eligibility before applying without affecting your credit score.