Argos Card Credit Plans

Shop at Argos with flexible credit plans that give you longer to pay.
Representative 34.9% APR Variable.

Win a £500 Argos e-Gift Card^

150 chances to win when you apply for the Argos Card

Apply and be accepted for the Argos Card between 05/02/2025 and 11.59pm 11/03/2025, and you'll automatically be entered into the prize draw when you spend with the Argos Card by 11.59pm on 14/04/2025. New customers only, one entry per person.

Representative 34.9% APR variable.

Credit subject to status. T&Cs apply. Open to UK residents (except those residing in Northern Ireland). 18+ only.

Apply now

Apply for the Argos Card

Argos Card Apply

Representative 34.9% APR variable

Pay later at Argos and Habitat with our flexible credit plans. Plus, buy your everyday shop and fuel at Sainsbury's using Normal Credit and get up to 56 days to pay on the Argos Card.

Check your eligibility for the Argos Card without impacting your credit score.

Learn how to apply

Shop with the Argos Card

Pay no interest

  • On your basket spend £149+ when you pay your full balance within 3 months.
  • On your basket spend £199+ when you pay your full balance within 6 months.
  • On any product £499+ when you pay your full balance within 12 months.

Representative 34.9% APR variable

With the Argos Card, no interest will be charged if you pay in full within your credit plan period and keep your account up-to-date. If you don't pay in full, you'll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of purchase.
See all credit plans & offers

Manage Account

Already got the Argos Card?

From making payments, to changing your contact details, it's quick and easy to keep on top of your finances with the Argos Card App.

The My Argos Card website has now been removed. To manage your Argos Card account, visit the 'manage your account' link below.

Manage your account

Want to learn more?

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Accidents happen...

Protect your new stuff with one of our Argos Care policies* and get extra cover in addition to your standard manufacturer's guarantee.

T&Cs and exclusions apply

Find out more

*Provided by Domestic & General Insurance PLC.

Don't miss out

You can collect and spend Nectar points at Argos.

Find out more

^This prize draw (the "Promotion") is open only to UK residents aged 18 and over, with the exception of employees of the Promoter (defined below) or anyone else associated with the administration of this Promotion and those residing in Northern Ireland.

  1. To enter into the Promotion, apply for the Argos Card and be accepted during the promotional period between 05/02/2025 and 11.59pm 11/03/2025 and make one purchase using the Argos Card by 11.59pm 14/04/2025. You will automatically be entered into the prize draw to have a chance to win a £500 Argos e-Gift card. Entries are restricted to one per person for the duration of the Promotion. No entries from agents, third parties or organised groups will be accepted. No bulk entries. No fraud transactions. New customers only.
  2. The Promotion opens between 05/02/2025 and 11.59pm 11/03/2025 for receipt of all entries.
  3. There are one hundred and fifty £500 Argos e-Gift cards (the "Prize") to win. Please note that the Prize will be subject to the terms of use found at https://www.argosgiftcard.co.uk/Argos/ByPost/Argos/TermsAndConditions
  4. All new customers who have applied for an Argos Card and been accepted during the promotional period and made a purchase using their Argos Card by 14/04/2025 will be included in the prize draw. One hundred and fifty winners will be drawn at random by the digital generator on 21/04/2025. The Promoter's decision is final and binding in all matters and no correspondence will be entered into.
  5. The winners will be notified via phone and therefore entrants will need to have supplied a valid phone number when applying for an Argos Card. The winners will be contacted by 28/04/2025. If a winner does not respond when contacted on two separate occasions, the Prize will be forfeited, and a back-up winner will be chosen and notified by phone. The E-Gift Card will be emailed to the winners therefore entrants will need to provide a valid email address.
  6. The Prize is non-transferable and no cash or alternatives will be offered. If you do not wish to accept the prize, you may refuse it when it is offered to you, and a back-up winner will then be notified.Entry into the Promotion constitutes each entrant's acceptance of these terms and conditions and gives the Promoter permission to contact you if you're a winner. The Promoter reserves the right to exclude customers from entry into the draw who are (need list of customers we'd exclude). refuse entry or refuse to award the Prize, to anyone in breach of these terms and conditions. The Promoter reserves the right to substitute the Prize for one of greater or equal value.
  7. The Prize will be delivered to the winners within 28 days of Prize acceptance.
  8. Proof of identity may be asked for before the Prize is awarded. The E-Gift Card will be emailed to the winners, therefore entrants will need to provide a valid email address.
  9. Personal data relating to entrants will be used solely:
    a) for the purposes of this Promotion; and/or
    b) by any agent appointed to assist with running the Promotion on behalf of the Promoter, and will not be disclosed to a third party for any other purpose. Entrants' personal data will be handled in accordance with this privacy policy, available at argosgiftcard.co.uk/Argos/ByPost/Argos/PrivacyPolicy
  10. The Promoter is not responsible or liable for:
    a) any entries that are lost or delayed due to faulty or failed electronic data transmissions;
    b) communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines satellites, servers, computers or providers utilised in any aspect of this Promotion causing delays or disruption; or
    c) Prize claims which are lost, delayed, corrupted, damaged, misdirected or incomplete or cannot be delivered for any technical, delivery or other reason. Proof of email will not be accepted as proof of receipt.
  11. Winners may be requested to participate in any reasonable publicity when asked by the Promoter and shall not receive payment for such publicity. You may opt-out of publicity.
  12. By entering this Promotion, entrants agree to be bound by these Terms and Conditions governing this Promotion and by any other requirements set out in related promotional materials.
  13. The name and county of the Prize winners can be obtained by emailing financialservicesmarketing@sainsburys.co.uk and quoting the code: AFS: AC500 within 3 months of the Promotion close date. If you do not want your surname and county included on the list of winners referred to above, you must notify the Promoter within a reasonable period of time before the closing date of the Promotion.
  14. If you would like a written copy of these full Terms and Conditions, please email: financialservicesmarketing@sainsburys.co.uk providing your address and contact details.
  15. The Promoter reserves the right to vary these Terms and Conditions or cancel the Promotion at any stage in the event of circumstances arising beyond its reasonable control.
  16. Any question concerning the legal interpretation of the rules will be based on English law and the Courts of England and Wales will have exclusive jurisdiction.

Promoter: Home Retail Group Card Services Limited (t/a "Argos Card" and "Argos Financial Services") of 33 Holborn, London, EC1N 2HT.

Spread the cost on your Argos shopping with the Argos Card. Spend over £149 to choose from one of our standard credit plans or check out our special offer credit plans. These are time-limited credit offers available on top products including phones, furniture and vacuum cleaners.

The Argos Card allows you to buy now, pay later and it's easy to manage your account with the Argos Card App. So, if you need a new washing machine, want to shop the latest looks from Tu Clothing or are on the hunt for the latest gaming PC, apply for the Argos Card online.

Credit subject to status. T&Cs apply. Representative 34.9% APR variable.