The IKEA Visa Credit Card (Citibank) is a personal credit card from IKEA Visa Credit Card (Citibank). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 27.99% variable. Approval typically requires a credit score of 650-700 or higher. Rewards: 5% back on IKEA purchases, 3% on dining, grocery, and utilities, 1% everywhere else. Special financing on IKEA purchases $500+: 6–24 months depending on amount.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..