Pay your IKEA credit card bill online, by phone, or by mail
The IKEA credit card is issued by Synchrony Bank, so you make payments to Synchrony, not to IKEA directly. You can pay online through your Synchrony account, call Synchrony's customer service line, set up automatic payments, or mail a check. Most people find the online portal fastest — you can log in, see your balance, and submit a payment in under five minutes.
Your payment due date appears on your monthly statement. Payments made online typically post within one business day. If you mail a check, allow 7 to 10 business days for it to reach Synchrony and post to your account.
Key Takeaways
- Log into your Synchrony account at synchronybank.com or use the Synchrony mobile app to pay online anytime.
- Call Synchrony customer service at the number on the back of your card to make a payment by phone.
- Set up automatic payments from your bank account so your bill pays on the same date each month.
- Mail payments to the address shown on your statement; include your account number on the check.
- Late payments trigger a fee and can raise your interest rate, so pay by the due date shown on your statement.
Pay online through your Synchrony account
Go to synchronybank.com and click "Log In" at the top right. Enter your username and password. If you do not have an account yet, click "Enroll Now" and follow the prompts to create one using your card number and other identifying information.
Once logged in, select your IKEA credit card from the list of accounts. Click "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose your payment method (bank account or debit card) and confirm the payment date. Review the details and click "Submit Payment."
You will see a confirmation number on screen. Synchrony also sends a confirmation email. The payment posts to your account within one business day, though it may show as "pending" for a few hours.
Pay through the Synchrony mobile app
read the Synchrony mobile app from the Apple App Store or Google Play Store. Log in with the same username and password you use on the website. Tap your IKEA card, then tap "Make a Payment."
Enter the payment amount and choose your payment method. Select the date you want the payment to post (usually the same day or the next business day). Confirm and submit. You will receive a confirmation number and an email receipt.
Pay by phone
Call the customer service number on the back of your IKEA credit card. A representative will ask for your account number or the phone number associated with your account. Tell them you want to make a payment.
You can pay using a bank account (routing and account number) or a debit card. The representative will confirm the payment amount, the date it will post, and give you a confirmation number. Keep this number for your records. Phone payments typically post within one business day.
Set up automatic payments
Automatic payments may support you never miss a due date. Log into your Synchrony account online or through the app. Look for "Manage Autopay" or "Automatic Payments" in the account settings menu.
Choose how much you want to pay automatically each month: the full statement balance, the minimum payment, or a fixed amount. Select the date each month when the payment should post (for example, the 15th). Confirm your bank account or debit card information. Synchrony will deduct the payment automatically on that date each month.
You can change or cancel automatic payments anytime through your account settings. If you cancel, you will need to make manual payments to stay current.
Pay by mail
Write a check for the amount you owe. On the memo line, write your account number so Synchrony knows which account to credit. Include your payment coupon from your statement if you have it — this coupon has a barcode that speeds up processing.
Mail the check to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not mail to an IKEA store. Allow 7 to 10 business days for the check to arrive and post. If your payment is due soon, mail it early or use an online or phone payment instead.
What happens if you miss a payment
If your payment does not arrive by the due date, Synchrony charges a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing cycle may result in a higher fee.
A late payment also triggers a higher interest rate on your card — sometimes called a "penalty rate." This rate applies to new purchases and any existing balance. Even one late payment can stay on your credit report for up to seven years and lower your credit score.
If you miss a payment, contact Synchrony as soon as possible. Some customers can negotiate a waived fee if they have a good payment history. The sooner you pay, the less interest you will owe.
Frequently Asked Questions
Can I pay my IKEA credit card at an IKEA store?
No. IKEA stores do not accept credit card payments. You must pay through Synchrony Bank using online, phone, mail, or automatic payment. You can use your IKEA credit card to make purchases at IKEA, but payments go to Synchrony only.
Is there a fee to pay my bill online or by phone?
No. Synchrony does not charge a fee for online, phone, or automatic payments. Mailed checks are also free, though they take longer to process.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward your next purchase, or contact Synchrony to request a refund check. Refunds typically take 7 to 10 business days.
Can I change my payment due date?
Yes. Log into your Synchrony account, go to account settings, and look for "Change Due Date" or "Billing Preferences." You can usually change your due date once per year. The new date takes effect on your next statement.
What if my payment was rejected?
This usually happens if your bank account or debit card information is incorrect or outdated. Log back into your Synchrony account and update your payment method. Then try the payment again. If the problem continues, call Synchrony customer service for help.