Plus: the best credit cards to use at IKEA for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
IKEA uses MCC code 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances). The best credit card is the Signify Business Cash, earning 2x rewards on this category.
IKEA transactions are processed under MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances, category: home). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Signify Business Cash | 2x | No annual fee | Wells Fargo | Apply Now |
| Active Cash | 2x | No annual fee | Wells Fargo | Apply Now |
| Freedom Unlimited | 2x | No annual fee | Chase | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
IKEA uses MCC code 5712, which is classified as "Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances". This determines which credit card bonus categories apply to purchases at IKEA.
The best credit card at IKEA is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances).
IKEA uses MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances). This means purchases at IKEA do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).