Where to pay your IKEA credit card bill

You can pay your IKEA credit card bill through the card issuer's website or mobile app, by phone, or by mail. The card is issued by Synchrony Bank, not by IKEA itself, so you pay Synchrony directly — not through IKEA's website or stores.

The easiest method for most people is logging into your Synchrony account online at synchronybank.com or using the Synchrony mobile app. You can set up a one-time payment or recurring automatic payments from your checking or savings account. If you prefer to speak with someone, you can call the customer service number on the back of your card.

You can also mail a check or money order to the address printed on your monthly statement. If you choose to mail a payment, allow at least 10 business days for it to arrive and post to your account.

Key Takeaways

  • Your IKEA credit card is issued by Synchrony Bank, so you pay Synchrony directly through their website, app, or phone line — not through IKEA.
  • Online and app payments usually post within one business day, while mailed payments take 10 business days or longer.
  • You can set up automatic monthly payments so your bill pays itself on a date you choose each month.
  • Late payments trigger interest charges and may hurt your credit score, so paying by the due date shown on your statement matters.
  • The phone number to call Synchrony is printed on the back of your physical card and on your monthly statement.

Paying online or through the mobile app

Log into your account at synchronybank.com using your username and password. If you do not have an online account yet, you can create one by clicking "Enroll" on the login page and following the prompts. You will need your card number and other identifying information.

Once logged in, select "Make a Payment" or "Pay Now." Enter the amount you want to pay and the date you want the payment to go through. You can pay from a checking or savings account at any U.S. bank. Synchrony will ask for your bank's routing number and your account number, which you can find at the bottom of a check.

Payments made before 8 p.m. Eastern Time on a business day usually post the next business day. Payments made after 8 p.m. or on weekends and holidays post the following business day.

Setting up automatic payments

Automatic payments save you from having to remember your due date each month. In your Synchrony online account, go to "Manage AutoPay" or "Automatic Payments." You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment each month.

Select the day of the month you want the payment to come out of your bank account. Synchrony recommends choosing a date a few days before your statement due date to make sure the payment posts on time. You can change or cancel automatic payments anytime through your account.

If you set up AutoPay to pay your full balance each month, you will avoid interest charges on purchases, since the entire balance will be paid before the interest calculation date.

Paying by phone

Call the number on the back of your IKEA credit card or on your monthly statement. A Synchrony representative will ask for your card number and the amount you want to pay. You will need to provide your bank account information or authorize a payment from a debit card.

Phone payments are available 24 hours a day, 7 days a week. There is no fee to pay by phone. The payment will post within one business day, the same as online payments.

Paying by mail

Write a check or money order for the amount you owe. Write your card number on the check. Mail it to the address shown on your monthly statement under "Payment Address" — this address is different from the mailing address for other correspondence, so use the one labeled for payments.

Mail payments take 7 to 10 business days to arrive and post to your account. To avoid late fees and interest, mail your payment at least 10 days before your due date. Keep a record of the check number and amount in case you need to track the payment later.

What happens if you miss a payment

If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The fee amount depends on your account terms, 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.

Late payments also trigger interest charges on your entire balance, even if you had a 0% promotional rate. Your interest rate may increase, and the late payment will appear on your credit report for up to seven years. If your account becomes 60 days late, Synchrony may close the account and refer it to a collection agency.

If you know you will miss a payment, contact Synchrony before the due date. They may be able to work out a payment plan or temporarily adjust your due date.

Understanding your statement and due date

Your monthly statement shows your current balance, the minimum payment due, and the due date. The due date is usually 21 to 25 days after your statement closing date. Payments must arrive by 5 p.m. Eastern Time on the due date to count as on-time.

Your statement also shows your interest rate, any promotional rates you are using, and the date those rates expire. If you have a 0% promotional rate for a certain number of months, that rate ends on the date shown on your statement, and your regular interest rate takes over.

You can view your statement online anytime through your Synchrony account, or request paper statements by mail. Paper statements arrive about 10 days after your closing date.

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 their website, app, phone line, or mail. You can use your IKEA card to make purchases at IKEA, but payments go to Synchrony only.

Is there a fee to pay my bill online?

No. Synchrony does not charge a fee for online, app, or phone payments. Mailed payments are also free. Some banks may charge a fee if you use their bill pay service to send a check on your behalf, so check with your bank.

What if I pay more than I owe?

The extra amount becomes a credit on your account. You can use the credit toward future purchases, or contact Synchrony to request a refund check. Refunds typically take 7 to 10 business days to arrive.

Can I pay someone else's IKEA credit card bill?

Yes, if you have their permission and account information. You can make a payment from your own bank account using their card number. However, Synchrony cannot discuss the account with you unless you are listed as an authorized user or the primary cardholder.

What if my payment was rejected?

Synchrony will send you a notice if a payment fails. Common reasons include insufficient funds in your bank account, an incorrect routing number, or a closed bank account. Log into your Synchrony account to see the rejection reason and try again with corrected information.