Argos Card...
Pay nothing for 3 months when you spend just £50 or more
To celebrate the launch of our new catalogue, we're giving you 3 months to pay for your shopping when you spend just £50 or more on an Argos Card but hurry, this fantastic credit offer is only available for a limited time!
Not got your Argos Card yet? Apply now online and you could buy what you want today from our new catalogue it's quick and easy! Check out the table below for all our current credit offers.
| Spend | Pay Nothing period |
| Up to £49.99 | Up to 59 days |
| £50 or more on anything – for a limited time only | 3 months |
| £199 or more on anything | 6 months |
| £199 or more on any item of furniture | 12 months |
| £249.99 on any large kitchen appliance | 12 months |
| £499 or more on any TV | 12 months |
| £250 or more on any jewellery item | 12 months Interest Free Credit |
| When you buy any fitted kitchen | 2 years Interest Free Credit |
^See individual product pages for more details.
If you're accepted, we’ll also send you some exclusive money off vouchers with your card for you to use in store.
*Our aim is to give every online applicant an instant decision. On certain occasions, we may be unable to give you a decision straight away. It may be necessary to gather more information or to check other systems so we may have to let you know in writing, usually within 7 - 10 days.
Apply now or call 0845 640 0701
Interest FREE Plan
| Your APR | 0% APR on all Interest FREE Plans. Representative 29.9% APR variable. |
| Your Interest Free Period | You pay no interest for the full term of the plan. |
| Your Minimum Payment | Your monthly payment is calculated by dividing the amount of credit by the number of months of the term of the plan. |
| Annual Fees | £0. There is no annual fee for the card. |
| Other Fees | £0 if you pay on time. Fees are charged at a rate of £12 for Late Payment fee, Returned Cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections Letter fee and a Tracing fee. |
| A Representative Example | Spend £1,200 on a 12 month Interest FREE plan and pay 12 repayments of £100. Total payable £1,200. Credit is provided by Argos Card Services, Thynne Street, Bolton, BL11 1AS |
Buy Now Pay Later Plan
| Your APR | Representative 29.9% APR (variable) for all Buy Now Pay Later Plans. |
| Your Interest Free Period | Buy Now Pay Later Plans (up to 12 months) offer specified periods to opt out of interest. Deferred interest will be payable if you do not pay the balance by the due date. |
| Your Minimum Payment | No repayments are necessary during the Buy Now Pay Later Plan period, except for any insurance premiums which are due on the balance. After that you pay 4% of the balance each month or £2 (whichever is the greater). |
| Annual Fees | £0. There is no annual fee for the card. |
| Other Fees | £0 if you pay on time. Fees are charged at a rate of £12 for Late Payment fee, Returned Cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections Letter fee and a Tracing fee. |
| A Representative Example | Spend £199 on a 6 month Buy Now Pay Later Plan and you don't have to pay anything for up to 6 months (although you can begin earlier if you wish) then settle the balance by the due date. Total payable £199. Or choose to spread the cost for longer, and start paying the monthly minimum of 4% of the balance or £2, whichever is the greater, plus any charges incurred. Your balance includes deferred interest from the purchase date. Credit is provided by Argos Card Services, Thynne Street, Bolton, BL11 1AS |
Normal Plan
| Your APR | Representative 29.9% APR (variable) for all Normal Plans. |
| Your Interest Free Period | Up to 59 days when you pay off your balance in full every month by the due date. |
| Your Minimum Payment | 4% of the balance each month or £2 (whichever is the greater). |
| Annual Fees | £0. There is no annual fee for the card. |
| Other Fees | £0 if you pay on time. Fees are charged at a rate of £12 for Late Payment fee, Returned Cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections Letter fee and a Tracing fee. |
| A Representative Example | Spend £99 on a Normal Plan and then settle the balance by the due date. Total payable £99. Or choose to spread the cost for longer, and start paying the monthly minimum of 4% of the balance or £2, whichever is the greater, plus any charges incurred. Your balance includes interest from the purchase date. Credit is provided by Argos Card Services, Thynne Street, Bolton, BL11 1AS |
