Theme 1

The IKEA Family credit card lets you spread the cost of eligible purchases through instalment plans at IKEA and beyond. Eligible IKEA purchases will qualify for interest-free instalment plans, while non-IKEA purchases offer a 3-month instalment plan option with a 3% fee. All instalment plans are managed in the 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).

If you're planning a larger IKEA purchase, such as a kitchen, bedroom or full home refresh, there are different ways to spread the cost.

The IKEA Family credit card and the IKEA interest-free loan are both designed to help make bigger purchases more manageable. The right option depends on how much flexibility you need and how you prefer to repay.

Credit card 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).

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).