IKEA® Projekt credit card Account Application

Step 1: Application

Credit Card

Cardmember Benefits:

  • 0% APR for 6, 12, or 24 months, after that 21.99% standard purchase APR, minimum purchase required*
  • No annual fee**
  • No pre-payment penalty

*,**See All Benefits

Your Personal Information

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Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Intended Purchase Amount is the amount you plan to spend on your first purchase with this credit card, if you submit an application and your application is approved. Enter as a dollar amount with no dollar sign or decimal like this: 2000 for $2,000.00

Contact Information

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

IKEA® Family

Have an IKEA® Family account? Enter your 19-digit card number here. 

If you aren't an IKEA® Family Member yet, you will be enrolled upon approval of the IKEA® Projekt credit card. You will receive a welcome email and special offers from IKEA. To learn more about Family program benefits, update your profile, or opt out from the program, visit https://info.ikea-usa.com/family/
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The IKEA® Projekt credit card account

A financing solution designed to make your dream project a reality.

  • 0% APR for 6, 12, or 24 months, after that 21.99% standard purchase APR, minimum purchase required*
  • No annual fee**
  • No pre-payment penalty

*Interest will be charged to your account at the standard purchase APR of 21.99% from the end of the promotional period on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. IKEA® Projekt credit card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $35.00. Minimum Interest Charge is $2 per credit plan. Standard purchase APR of 21.99%. Minimum purchase of $500 for 6 month plan, $1,500 for 12 month plan and $5,000 for 24 month plan required. See store associate for details.

**Standard purchase APR of 21.99%. Minimum Interest charge is $2.00 per credit plan.


Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.

What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.

Your credit score as of 09/21/2019: 0


We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.

Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.


Your Temporary Account

Credit Card
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Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.

Know how to use your Temporary Shopping Pass

Please print your temporary shopping pass information by clicking the "print" button below. Keep this information in a secure place. This information will be unavailable after you leave this page. Use of this temporary credit account number is subject to the terms outlined in the credit card agreement, as amended from time to time. Proper ID required for use of this temporary shopping pass. IKEA® Projekt credit card accounts are issued by Comenity Capital Bank. This is not a receipt.

You may use your temporary shopping pass as if it were your actual credit card with the following restrictions. Once any of the below if met, your temporary shopping pass will no longer be valid:

  • You may use this temporary shopping pass for up to .
  • You may use the tempoary account number for up to 5 transactions.

Once your IKEA® Projekt credit card comes in the mail, please utilize that card for any subsequent purchases.


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