Finance Your IKEA Purchases with FirstBank

Terms and conditions 

Offer valid from December 8, 2025, through December 31, 2026, for purchases made with FirstBank Beyond credit cards at IKEA Puerto Rico stores. Subject to credit approval and credit line availability. 

The offer applies only to eligible purchases of merchandise at regular prices and does not apply to cash advances, existing balances, or purchases made outside the promotional period; nor can it be combined with other offers or discounts. 

At the end of the promotional period, the outstanding balance will be subject to the regular purchase rate, ranging from 17.25% APR to 29.50% APR, which varies according to the U.S. Prime Rate. 

FirstBank is not the supplier or seller of the purchased products, and any claims regarding the merchandise must be made directly to IKEA. Additional terms and conditions of the FirstBank Beyond card apply.

*This Offer is valid from December 8, 2025 through December 31, 2026. The special promotional financing offer ("Promotional Offer") of 0% APR is valid exclusively for a period of six (6) months, twelve (12) months, or eighteen (18) months ("Promotional Period") following a promotional purchase made at IKEA. The Promotional Period depends on the purchase amount. The Promotional Offer applies only to eligible purchases for a period of 6 months on regular-price purchases from $500.00 to $999.99, 12 months for purchases from $1,000.00 to $1,499.99, and 18 months for regular-price purchases of $1,500.00 or more. The Promotional Offer does not apply to cash advances, prior merchandise purchases, purchases made outside the Promotional Period, or any outstanding balance. Regular terms apply to non-promotional purchases. Please review your credit card agreement for additional details regarding applicable terms and conditions. Once the Promotional Period ends, the regular purchase interest rate on your account will apply to the outstanding balance at that time and to any new purchases, ranging from 16.75% APR to 29.00% APR. This APR may change based on the U.S. Prime Rate published in the Money Rates section of The Wall Street Journal. This Promotional Offer is available only for purchases made with your Beyond credit card at IKEA stores located in Puerto Rico and must be requested at the time of purchase. This Offer does not apply to the Beyond Business or Beyond Corporate credit cards. This Promotional Offer cannot be combined with other offers or discounts. Certain restrictions apply. FirstBank is not the provider or seller of these products or services and shall not be responsible for any acts or omissions arising directly or indirectly from the products or services purchased. Any claim related to products or services purchased through this special financing offer must be submitted directly to the entity that sold or provided the product or service, subject to its terms and conditions. This Offer is subject to credit approval and/or the availability of your credit line. Other charges that may apply to your credit card include: Penalty APR of 29.99%. $0 Introductory Annual Fee for the first 12 months after account opening, then $50 (for Beyond Global and Small Business), $150 for Beyond Ultimate Visa® and Mastercard®, and No Annual Fee for Beyond One, Platinum, Visa®, and Mastercard®. Minimum Interest Charge: If interest is charged, the fee will not be less than $1.50. Balance Transfers, Cash Advances, and Convenience Checks: Transaction Fee of 2% of the amount of each transaction, with a minimum of $2.00 and a maximum of $10.00 per transaction. Foreign Transaction Fee: Any transaction made in a foreign currency, and any transaction made in U.S. dollars that is processed outside the United States, is subject to a fee of 1.40% of each U.S. dollar transaction for Mastercard® and 1% for Visa®. This fee will be charged in addition to any other applicable fees.*