Where to pay your Ikea credit card bill
You can pay your Ikea credit card through the Ikea credit card portal, by phone, or by mail. The fastest route is the online portal, where you log in with your account credentials and make a payment in minutes. If you prefer to speak with someone, you can call the customer service number on the back of your card.
Payments made online or by phone typically post to your account within one business day. Mail payments take longer — usually 7 to 10 business days from the date you send them — so use mail only if you cannot pay online or by phone.
Key Takeaways
- The Ikea credit card portal is the fastest way to pay; log in with your username and password to make a payment that posts within one business day.
- You can also pay by phone by calling the number on the back of your card and speaking with a representative.
- Mail payments take 7 to 10 business days to post, so pay online or by phone if you have a due date coming up.
- Your minimum payment and due date appear on your monthly statement and in your online account.
- Late payments may result in fees and interest charges, so set a reminder for your due date if you pay by mail.
Paying online through the Ikea credit card portal
Go to the Ikea credit card website and select "Log In" or "Sign In." Enter your username and password. If you do not have an online account yet, you will need to create one first using your card number, Social Security number, and date of birth.
Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard. Enter the amount you want to pay — you can pay your full balance, your minimum payment, or any amount in between. Choose your payment method (bank account or debit card) and confirm the payment. You will receive a confirmation number on screen; save or print this for your records.
Payments made before 11:59 p.m. Eastern Time typically post the next business day. If you pay after midnight or on a weekend, the payment posts the following business day.
Paying by phone
Call the customer service number printed on the back of your Ikea credit card. Have your card number and the amount you want to pay ready. A representative will walk you through the payment process and may ask for your Social Security number or date of birth to verify your identity.
You can pay from a bank account or debit card over the phone. The representative will confirm the payment amount and post date before the call ends. Ask for a confirmation number and write it down.
Phone payments made during business hours (typically 8 a.m. to 8 p.m. Eastern Time, Monday through Friday) post within one business day. Payments made outside business hours or on weekends post the next business day.
Paying by mail
Write a check or money order payable to the Ikea credit card issuer. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this is different from your billing address, so use the exact address listed.
Mail your payment at least 10 days before your due date to account for postal delays. The payment will not post until the issuer receives and processes it, which typically takes 7 to 10 business days. If your due date is fewer than 10 days away, pay online or by phone instead.
Setting up automatic payments
Many cardholders set up automatic payments to avoid missing a due date. Log into your Ikea credit card account online and look for "Automatic Payments," "Autopay," or "Recurring Payments." You can usually choose to pay your full balance, your minimum payment, or a fixed amount each month on a date you select.
Automatic payments come from a bank account you authorize. Once set up, the payment is deducted automatically on your chosen date each month. You can change or cancel automatic payments anytime through your online account, but you remain responsible for paying at least the minimum by the due date if you cancel.
What to do if you miss a payment
If your payment does not arrive by the due date, your account may be reported as late. Late fees and interest charges may be added to your balance. Contact customer service as soon as you realize you have missed a payment — the sooner you pay, the less interest will accrue.
If you are having trouble making your payment, call the number on the back of your card and ask about hardship options. Some issuers offer temporary payment plans or reduced interest rates for cardholders facing financial difficulty. Explaining your situation may open options that are not available online.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and due date. The due date is the last day you can pay without triggering a late fee. Payments posted after 11:59 p.m. Eastern Time on the due date are considered late.
Your statement also shows your interest rate (called the Annual Percentage Rate or APR) and how much interest you paid that month. If you carry a balance from month to month, interest is charged daily on the unpaid amount. Paying more than the minimum reduces the interest you owe.
Frequently Asked Questions
Can I pay my Ikea credit card with another credit card?
No. Credit card issuers do not accept credit card payments. You can pay with a bank account, debit card, check, or money order only. Paying with a debit card or bank account is fastest.
What happens if I pay more than my balance?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund. Contact customer service to request a refund if you have a credit balance.
Is there a fee to pay online or by phone?
No. Ikea credit card does not charge a fee for online or phone payments. Mail payments are also free, but they take longer to post.
How do I know if my payment went through?
You will receive a confirmation number when ready after paying online or by phone. Check your account the next business day to confirm the payment posted. If you paid by mail, call customer service after 10 days to confirm receipt.
Can I pay someone else's Ikea credit card bill?
Only the cardholder can make payments on the account. If you are an authorized user on someone else's card, you cannot pay the bill online or by phone. The primary cardholder must set up the payment or authorize you as a secondary account manager first.