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Argos Credit Card

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The Argos Credit Card is promoted by Argos, provided by MasterCard and has a representative APR of %. Compare all Argos Credit Cards or apply for the Argos Credit Card now.

Card Details

Card Issuer Credit card issuer	Barclays Bank PLC
Merchant Network The Card network the card belongs to	MasterCard
Card Limit Maximum upper balance limit for card spending	The maximum credit limit is subject to status.

Acceptance Criteria

Min Age Minimum age for applicants	18 Years
Min Income Minimum income required for applicants	The applicant must have a regular income.
Credit Rating Credit rating required for successful application of card	Prime

Introductory Balance Transfer Details

Intro Balance Transfer Rate Annual equivalent rate charged on balance transfers for the introductory period	0.0%
Duration of Intro Balance Transfer Rate Duration of balance transfer rate for introductory period	9 Months
Balance Transfer Limit Maximum upper limit for balance transfers to card	Subject to Status
Intro Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred during the introductory period	3%
Intro Min Balance Transfer Fee Minimum fee for transferring a balance during the introductory period	£3
Intro Max Balance Transfer Fee Maximum fee for transferring a balance during the introductory period	No Limit

Introductory Purchase Rate Details

Intro Purchase Rate Annual equivalent rate on card purchases during the introductory period	0.0%
Duration of Intro Purchase Rate Duration period for introductory purchase rate	3 Months

Standard Rates

APR Representative (Variable) Annual Percentage Rate Typical (Variable) - this figure considers both the annual interest charged on purchases and any annual fees	N/A
Purchase Rate Annual equivalent rate for purchases	19.0%
Balance Transfer Rate Rate charged on card palance as an annual equivalent percentage after any introductory period ends	19.0%
Cash Advance Rate Rate charged on cash advances as an annual equivalent percentage	29.9%

Benefits

Cash-Back Reward Cash-back reward for spending	Not applicable.
Air Miles Airmiles travel reward scheme available	Travel reward programme is not available.
Shopping Reward Program Shopping reward scheme available	No shopping rewards program available.
Points Scheme Points reward scheme available	The Money Back scheme works as follows: When the cardholder shops in Argos, they will earn the following cashback: Spend £100 get £2 back Spend £300 get £6 back Spend £500 get £10 back If the cardholder uses their card elsewhere they will earn the following cashback: Spend £100 get £1 back Spend £300 get £3 back Spend £500 get £5 back Every 3 months, points will be calculated and converted into Argos Gift Cards, ready to spend to any Argos Outlet or Online. The minimum Argos gift card is £5.
Other Incentives Additional card incentives available	Exclusive access to deals, discounts, and prize draws.
Charity Affiliation Affiliations to any charities for card spending	This is not a Charity Affiliation account.

Cashback Scheme Details

Introductory bonus on Cash-Back Cash-back bonus on introductory period.	Not applicable.
Max Spend that earns Cash-Back Where a cash back reward scheme is active, the maximum amout of spending permitted to earn cash back.	Not applicable.

Fees and Terms

Interest Free Period Number of days for interest free period	Interest free period of 56 days, providing the balance is paid in full by the due date on the second statement after the purchase.
Min Payment Minimum monthly payment required as a percentage of that month's total bill	3%
Min Payment Minimum monthly payment required if any balance is outstanding	£5
Annual Fee Annual fee for card	There is no annual fee.
Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred outside of any introductory period	3%
Min Balance Transfer Fee Minimum fee for transferring balance	£3
Max Balance Transfer Fee Maximum fee for transferring balance	No Limit
Cash Advance Charge Charges for a cash advance as a percentage of the cash advance amount	A handling fee of 3.00% will be charged on the amount of any cash advance subject to a minimum of £3.00 per transaction.
International Charges Charges for overseas transactions on card as a percentage of transaction	There is a fee of 3.00% for international transactions including withdrawals.
Order of Repayments The order in which the various different types of credit are repayed when you pay over your monthly balance	If the cardholder does not pay the statement balance in full on the payment date, payments will be allocated in the following order: Fees and charges Balance Transfers Purchases Cash Advances

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