In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
  • Your reviews
Argos Card
Representative example:
When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).
Account fee
£0
Interest-free each billing period
Up to 56 days

Our verdict

The Argos Card offers 2 BNPL-style interest-free repayment plans - but there are high rates if you end up with a balance on your card.

Argos used to offer its own buy now, pay later (BNPL) payment option at the checkout, but it seems to have dropped this in favour of revamping its credit card. The card offers 0% interest on purchases only at Argos, Habitat or Sainsbury’s for either 3 or 12 months. This card is exclusively for your Sainsbury’s Group shopping as it's not on the Mastercard or Visa networks.

The length of this 0% period depends on how much you spend. When you spend over £50, you can take up to 3 months to repay, and for purchases over £199, you’ll have the option of a 12 month interest-free repayment plan.

The key difference between the Argos card and other 0% purchase cards is that you can use these repayment plans as often as you like - similar to BNPL products. As with all credit, it’s important to keep up with your repayments as missed payments can harm your credit score and you’ll be charged interest once the interest-free period has ended as well as a £12 late payment fee.

Unlike other cards offering a 0% purchase period, you’ll only gain access to the repayment options when you spend with stores in the Sainsbury’s Group. So unless you’re an Argos, Habitat or a Sainsbury’s big spender, you might be better off getting a 0% purchase card where you can rake in the benefits of a 0% purchase period anywhere.

Pros

  • Avoid currency conversion charges when spending abroad
  • No annual fee

Cons

  • Applicants with low credit scores are unlikely to be eligible

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
  • Your reviews

Details

Product overview

Issuer NewDay Ltd
Annual/monthly fees £0
Representative APR 34.9%
Introductory Rewards Discount vouchers sent out with new card.
Additional Rewards Info Variety of Buy Now Pay Later option plans and interest free credit plans are available; based on basket spend and individual goods.
Minimum credit limit £0
Maximum credit limit Subject to status
Credit limit note Variable
Purchases interest-free period (days) 56
Overall customer rating Not yet rated

Fees and charges

Minimum monthly payment 1% or £5 (whichever is greater)
Annual/monthly fees £0
Cash advance fee 0%
Late payment fee £12
Duplicate statement fee £5
Exceeding limit fee £12
Additional card fee £0
Dormancy fee £0

Application requirements

Minimum Age 18
Availability Available to new customers

Compare 0% purchase credit cards

Table: sorted by representative APR, promoted deals first
1 - 6 of 28
Name Product Finder Score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
M&S Bank Credit Card Purchase Plus Offer Mastercard
4.1
★★★★★
0% for 20 months reverting to 24.9%
0% for 12 months
(0% fee)
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card
3.8
★★★★★
0% for 18 months reverting to 24.9%
0% for 16 months
(3.49%, min £5 fee)
£0
24.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
Santander All in One Credit Card
4.5
★★★★★
0% for 15 months reverting to 23.9%
0% for 15 months
(0% fee)
£3 per month
29.8% APR (variable)
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Every time you spend abroad in the local currency using your Santander debit or credit card between 18 June to 15 September 2024, you'll be entered into a prize draw to win 1 of 18 travel vouchers each worth £5,000 each. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Check eligibility
first direct Gold Credit Card
3.3
★★★★★
0% for 12 months reverting to 24.9%
24.9%
(0% fee)
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Check eligibility
Tesco Bank Clubcard Plus Credit Card Mastercard
4.6
★★★★★
0% for 24 months reverting to 19.94%
21.81%
(3.99% fee)
£7.99 per month
37.7% APR (variable)
5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
4.0
★★★★★
0% for 21 months reverting to 24.94%
0% for 21 months
(3.49% fee)
£0
24.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).
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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (03456 400700), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for an Argos Card

If you've compared options and decided this is the right card for you, you can apply both online and in-store.

You'll need the following:

  • Your ID and proof of address
  • Your address history of the last two years
  • Your bank details

As with any other credit card, Argos will run credit checks before lending you money.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Your reviews

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