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typical 29.9% apr variable
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Argos Card

Buy Now, Pay Later

Right now you can Pay nothing for 6 months every time you spend £99 or more. Pay 3 months later every time you spend £50 or more. Watch the video and check out the table below as you can often pay up to 12 months later on more expensive items.

Spending... Buy now, pay...
Spend up to £49.99 Up to 56 days later
Spend £50 or more 3 months later

Spend £99 or more

6 months later

Spend £299 or more on any Television

9 months later

Spend £499 or more on any Television

12 months later

Buy any Bose product

12 months later

Spend £199 or more on any item of Furniture

12 months later

Spend £249.99 or more on any Large kitchen appliance

12 months later

Any large kitchen appliance on Express delivery (limited time offer)

12 months later

Spend £250 or more on any Jewellery item

12 months later

Buy all Hoover vacuum cleaners over £100

12 months later

Buy all Dysons (exc accessories)

12 months later

Buy selected mobile phone handsets

12 months later

Xbox One & PS4 Console

12 months later

Any fitted kitchen

12 months later

To help give you a better understanding of how the Argos Card works


Ways to Apply for an Argos Card

  • Online
  • By Phone - 08456 400 700
  • In-store

Once you’re accepted we’ll send you an Argos Card as quickly as possible.

Ways to Pay & Manage your account

  • Pay using any of the payment methods on the back of your statement
  • Manage your account online through www.myargoscard.co.uk
  • By Phone using our new automated payment service

It’s as easy as this

  • Spend say £75 in Argos, which means you could Buy now, pay 3 months later
  • You’ll receive monthly statements in the post
  • In the 3rd month, you’ll be asked whether you want to pay off the balance to avoid being charged interest OR if it suits you, spread the cost over a longer period
  • If you don’t pay off the balance, we’ll calculate the interest from the purchase date and add this to your balance. You’ll then be asked to pay a minimum amount each month until the balance is paid. You can pay off more at any time, it’s up to you.(See your Terms & Conditions for full details).

Exclusive offers

  • When you receive your Argos Card we’ll include some discount vouchers in the pack.
  • If you’ve opted to receive marketing from us we’ll send you regular offers and discounts exclusively available to Argos Card holders.

And that’s all there is to it, so what are you waiting for Apply now

Want to buy now, pay monthly?

Fix your payments over 24, 36 or 48 months when you spend £199 or more, so you’ll always know how much you have to pay each month.

With our Monthly Payment Plans, you can:

  • Make fixed monthly payments
  • Know exactly when your plan will be paid in full
  • Have no deposits and no surprises
Representative examples 24 months at
36 months at
48 months at
If you spend Monthly amount Total payable Monthly amount Total payable Monthly amount Total payable
£200 £10.82 £259.78 £8.11 £291.96 £6.8 £326.32
£300 £16.24 £389.66 £12.16 £437.94 £10.2 £489.27
£400 £21.65 £519.55 £16.22 £583.92 £13.6 £652.63
£500 £27.06 £649.44 £20.27 £729.9 £17 £815.79

*The APR relates to the Argos Card as a whole and is variable. The interest rate for the Fixed Payment Plans will be fixed.

Apply now or call 0845 640 0701.

Argos card FAQ's

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 your monthly minimum as detailed in your terms and conditions.
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 as detailed in your terms and conditions, plus any charges incurred. Your balance includes deferred interest from the purchase date. Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

Fixed Payment Plan

Your APR 29.9% APR for the Fixed Payment Credit Plan. Representative 29.9% APR (variable) for all Fixed Payment Plans.
Your Interest Free Period There is no interest free period with Fixed Payment Plans.
Your Minimum Payment You will be given an indicative monthly payment when you choose this plan, this will also be confirmed on the order confirmation. You will receive a letter giving the exact payments once your order has been processed.
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 £12.00 and they include Late Payment fee, Returned cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections letter fee and a Tracing fee.
A Representative Example Fixed Payment Plans are available on selected products. If you spend £450 your approximate monthly payment will be £18.25 over 36 months, APR 29.9% the total amount repayable (approximate) will by £656.91. The exact amounts depend on your Argos Card statement date.Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

Normal Plan

Your APR Representative 29.9% APR (variable) for all Normal Plans.
Your Interest Free Period Up to 56 days when you pay off your balance in full every month by the due date.
Your Minimum Payment Is detailed in your terms and conditions.
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 £49 on a Normal Plan and then settle the balance by the due date. Total payable £49. Or choose to spread the cost for longer, and start paying the monthly minimum as detailed in your terms and conditions, plus any charges incurred. Your balance includes interest from the purchase date. Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

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. Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

 

All credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW. Terms and conditions apply, please see our website for details. In relation to Storecards, Argos Limited works exclusively with Home Retail Group Card Services Limited. Both Argos Limited and Home Retail Group Card Services Limited are part of the Home Retail Group.

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.