Learn more about Argos Card

You can learn more about Argos Card Credit Plans here.

Check out the Argos Card help section here. If you need to speak to one of our team, give us a call on 0345 640 0700 and make sure you have your Argos Card to hand. 

You can see our Argos Card A-Z here.

To learn more about our Argos Card visit our dedicated help page. You can also see our latest Argos Card offers here. 

An Argos Card allows you to spread the cost of the things you want with a range of credit plans (Representative 34.9% APR variable). Find out more here.

To manage your Argos Card you'll need to download our App. 

When it comes to finances, we understand there's often a lot to read through and get your head around.  

The T&Cs in the link below are really important as we want to make sure the Argos Card is right for you and you have all the info needed.  

If you have any questions, please get in touch!  

For new applications and for customers who took out an Argos Card on or after the 1st September 2020 click here for the T&Cs.

If you took out your Argos Card between 12th November 2019 and 31st August 2020 inclusive, click here

If you took out your Argos Card before the 12th November 2019 your T&Cs are here

An Argos Card allows you to spread the cost of the things you want with a range of credit plans available (Representative 34.9% APR variable).  
It's easy to apply for an Argos Card. The way that you choose to apply depends on whether you need a credit plan today, or if you're lining up credit ready for future shopping at Argos or Habitat.  
If you're applying through our website, you can choose to collect your products in-store, or have them delivered. If you're applying via your Argos App, you'll need to select Home Delivery for your first order.  
If you're planning ahead, you can apply for an Argos Card today, and we'll send out your card within 10 days. As soon as it arrives, you can shop online and in-store.  
 
You can apply for an Argos Card if you:  
• Are over 18  
• Have your bank details to hand  
• Can tell us where you've lived for the last two years  
• Have been a permanent UK resident for over a year  
 
For full details on how to apply click here 

Mostly, yes - you can use your Argos Card to buy groceries, Tu Clothing, Homewares, Electronics – basically anything that's stocked in Sainsbury's and Sainsbury's Local stores at the manned tills or self-service checkout - a colleague will just need to verify your signature. 
With the Argos Card, only normal credit is available in Sainsbury's.  
However, you can't use your Argos Card to shop online at Sainsburys.co.uk or when using the Sainsbury's app.  
You're not able to use your Argos Card at our Sainsbury's in-store Travel Bureaux.  
One more thing to note - Argos Gift Cards/eGift Cards cannot be spent in Sainsbury's stores. However, if your local Sainsbury's has an Argos-branded concession inside it, you can use it there.

As soon as you get your card in the post, make sure you sign the back of it – for security reasons. Then you're ready to start shopping.  
You can use your physical card in-store at either Argos or Sainsbury's. Or you can shop with it online at argos.co.uk – don't forget to click 'save card details' when you checkout to save you time in the future. Or just go to Your Account to save your card details.  
Remember...when you pay for a Click Collect order using your Argos Card, you'll need to bring the card with you when you collect your order in-store. This is so we can verify your identity and protect your account. 

We're sorry to hear you're having issues with your Argos Card. If you wish to make a complaint you can do so by making contact through any of the channels listed here:  

By phone - If you'd prefer to speak to someone you can contact us on 0345 640 0700 – We're available 8.00am-6.00pm Monday to Saturday, Sunday 10.00am-6.00pm. (Please ensure you have your Argos Card, or latest statement to hand).  

By email - You can email the Argos Card Team at: Customer.Relations@argos.co.uk (please ensure that you provide all of your details relevant to your Argos Card account).  

Write to us - You can write to us at: Home Retail Group Card Services Ltd, PO Box 211, Huddersfield, HD8 1FA (Please ensure that you provide all your details relevant to your Argos Card account).  

If the issue relates to items purchased from Argos or a refund, please contact Argos via the contact methods found here.

We hope to resolve issues as soon as we're informed. However, if you feel we haven't achieved this, we have clear and simple procedures in place to make sure we handle your case fairly, sensitively and in line with requirements set by the Financial Conduct Authority.  

We will also try to make sure that we fix the root cause of problems so that we don't make similar mistakes again.  

Our complaints procedure;  

We fully investigate every complaint about our financial services. Even if your complaint relates to a policy decision and we are not able to change things, we will explain to you the reason why.  

We want to resolve your complaint straightaway and we're often able to do this on your first contact with us. When we resolve a complaint, we will always communicate to you confirming the resolution.  

If we've not been able to do that by the end of the third business day after we've received your complaint, we'll communicate to you to acknowledge this is being investigated further.  

We will keep you up to date throughout while we are investigating your complaint, until we provide you with a formal response either via e-mail or letter. In exceptional circumstances, particularly where your complaint is complex, it may take over eight weeks to resolve matters for you.  

We will communicate to you to let you know when you may be able to contact the Financial Ombudsman Service (FOS) to review your complaint.  

The Financial Ombudsman Service;  

We are committed to resolving your complaint to your satisfaction and hope that together we can reach an agreement.  

The Financial Ombudsman Service exists to help resolve complaints and disputes as an impartial adjudicator, within the existing law. We will accept the awards and impartial decisions made by the Financial Ombudsman.  

As outlined within our complaints procedure, if you're unhappy with our final response to your complaint, you can ask the Ombudsman for an independent review.  

The Ombudsman offers a free independent service, but before they look at your complaint, they will ask you to give us the opportunity to put things right for you.  

Details on how to contact the Financial Ombudsman Service:  

By Post:  

Financial Ombudsman Service  
Exchange Tower  
Harbour Exchange Square  
London  
E14 9SR  

Telephone: 0800 0234 567 or 0300 123 9 123  

Email: complaint.info@financial-ombudsman.org.uk  

Website: www.financial-ombudsman.org.uk

To manage your Argos Card including how to make a payment or change your contact details, please use the My Argos Card App. To download click here. To find out more information about using your Argos Card click here.

Found something you want at Argos? Need a credit limit increase to purchase it on your Argos Card?  
Depending on what you buy, an Argos Card can give you the option of spreading purchase payments over time.  
Find out more about the Argos Card here. 
If you already have an Argos Card and are looking to extend your credit limit, here's what you need to know.  
• To increase your Argos Card credit limit, just go to Your Argos Card account on your app or online. You don't need any paperwork to hand and if your request is accepted, the increased limit will be ready to spend straight away.  
• You can see if you're eligible for an increased limit without affecting your credit rating, but be aware that any new limit will show on your credit file as part of your total credit available.  
• Although a higher credit limit may offer greater flexibility and convenience, it may also increase the risk of taking on too much debt. It's best to check how any credit changes will impact your finances beforehand and always carefully consider whether you need a higher limit.  
• Also handy to know...you can set up your account to auto-extend your limit next time your funds need a boost. Don't worry, we'll prompt you to set this up the next time you increase your limit. 

If the swipe strip on your card is playing up, it'll take a bit longer to process every time you use it.  
Why not save yourself time in the long run and call us on 03456 400 700 to order a new card. 

Yes, you can use your Argos Card at both Argos and Sainsbury's, and just like any normal Sainsbury's transaction, you can collect Nectar points on your purchases.  
To collect Nectar points at Sainsbury's, you'll need to present your Nectar card at the till or add your Nectar card number to your Sainsbury's account if shopping online.

If your Argos Card is lost or stolen, let us know straight away by calling 03456 400 700. You can report this any time of the day. 
 
We're available Monday to Saturday: 8:00am – 6:00pm and Sunday: 10:00am – 6:00pm. Outside these hours, you can still report your card as lost or stolen using our automated phone system. 
 
To keep your account safe, we’ll cancel your old card and send you a new one as soon as possible. Your replacement card will arrive within 10 days. 

If you've been declined for an Argos Card this time round, don't worry.  
When you apply for the Argos Card, we use your credit score to help us decide whether to offer you credit and how much your credit limit will be. So it’s useful to find out more about credit scores as they can constantly change and there are things you can do to make it better. Knowledge is power, so why not check this out to help you to understand a bit more about credit scores, including how to improve your credit score and how to check your credit score

What you need to know:  
• Get an instant decision when you apply for an Argos Card today. Simply look out for credit options at checkout or ‘Apply now’ throughout the journey.  
• Check if you'll be accepted without impacting your credit score.  
• Enjoy your product and benefit from paying at your own pace.  
• You'll also get a credit limit that you can use on future purchases and there's no need to apply again.  
 
How does interest work?  
• You can put any order on Normal Credit and if you clear your balance before your next statement date, and keep your accounts up to date, you'll incur no interest.  
• If you decide to spread the cost further you will be charged interest on the remaining balance, backdated to the date of purchase (this is known as deferred interest)  
 
How to manage your plan:  
• With the easy to use Argos Card App, you're in control of your account. Manage your payment plans and keep up to date with the latest offers. 

If you see a transaction on your statement you don't recognise let us know about it as soon as possible, so we can check it's not fraudulent.  

Just give us a call on 03456 400 700 and we'll investigate the transaction for you. 

For Sainsbury's purchases, your Argos Card will work just like a normal credit card, as longer term payment plans aren't available. To avoid paying any interest, you'll need to pay off your Sainsbury's shopping in full each month, by the date shown on your statement.  
To keep on top of your payments, why not download our app, that way you can set up reminders and make payments on the go. 

We understand it's a difficult time when you lose someone close to you, so we want to make dealing with any financial matters as simple as possible.  
If you need to speak to someone to discuss closing an Argos account you can contact us on 03456 400 700 – We're available 8.00am-6.00pm Monday to Saturday, Sunday 10.00am-6.00pm.

Please call us on 03456 400 700.  
We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. If you're having any problems at the moment, please do call us and we can talk through which options are available to you.  
Need help coping with the Cost of Living?  
If you're feeling the pinch from rising living costs, don't worry, we're here to help. Visit our handy Money Worries help page, where you will find information on the help and support available to help you cope with the cost of living rise. This includes a handy budget tool where you can access guides and tools on how to handle these costs.  

If you apply online via a Quick Check Application: we'll tell you whether you're likely to be accepted before you actually submit your application. 
This won't affect your credit rating at all. Then, if you decide to complete the application, a successful search will be added to your credit history.