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The -annual-fee , issued by Comenity, features robust rewards for Ikea purchases. But unlike some store cards, its rewards certificates expire relatively quickly once issued. That makes it difficult for casual once-in-a-while Ikea shoppers to get the full value out of their rewards.
The card's top-notch uncapped rewards make it a great deal for a certain group, though: frequent Ikea shoppers who spend a lot at the furniture store.
Here's what to know about the .
If you've got big plans to furnish your abode, and they almost all involve Ikea, you can stockpile rewards faster than you can pronounce “fjälla.”
Cardholders will earn:
The also comes with a modest sign-up offer: Get a .
Ikea "Reward Dollars" are automatically redeemed for Ikea Reward Certificates in $15 increments. Every 15 Reward Dollars you earn, you'll get a $15 Ikea Reward Certificate, redeemable at U.S. Ikea stores or the U.S. version of the company website. But when you get a certificate, you'll have to use it fast; they expire just 45 days from the date they are issued, and the Reward Dollars you accumulate to earn those certificates expire 36 months after the date that they are posted to your balance.
The automation factor sounds simple, but it's also inflexible. If you have, say, $28 worth of rewards, you'll get only $15 of that sent to you, and you'll have to wait to get the rest until you hit the $15 threshold again. And if you wait too long, those remaining rewards could expire, causing you to miss out on that other $13 completely.
Like most store cards, the comes with an annual fee of . So while the rewards program could be improved, it's nevertheless easy to minimize costs and come out ahead on rewards with this card.
Unlike other no-annual-fee cash-back cards that offer bonus rewards at furniture stores, it also doesn't limit how many bonus rewards you can earn. Consider these options, for instance:
These general cards are strong options if you spend modestly at Ikea. But if you spend thousands each quarter, easily blowing through these spending caps, the could be your best bet since it doesn't limit how many bonus rewards you can earn.
If you're considering the , don't forget to look at the big picture. Although the card offers rich rewards to those who plan to spend a lot on Ikea merch, it also comes with a high APR. It might be more useful to get a card with a chunk of interest-free time to pay off that new kitchen, living room or other big project.
If you are indeed seeking some breathing room on your Ikea haul, there is another in-house option to consider. Its sibling card, the , comes with the following offers:
Be aware that if you haven't paid that purchase off in full within the promotional period, you'll be charged the standard ongoing interest rate on the remaining balance.
Also, the is a store card, which means you can't use it outside of Ikea purchases. And unlike the , it doesn't earn rewards.