Argos Credit Card Review 2025: Check Pros and Cons

When shopping at Argos, Sainsbury’s, or Habitat, a store-branded credit card might seem like a great way to spread the cost of big purchases. The Argos Credit Card, issued by NewDay Ltd, is a store card offering interest-free payment plans, making it attractive to frequent Argos shoppers.

But is it worth it? In this review article, we will look at the features, benefits, drawbacks, and whether it’s a good fit for your financial needs.

What is the Argos Credit Card?

The Argos Credit Card is a store card designed specially for use at Argos, Sainsbury’s, and Habitat. Unlike traditional credit cards, it cannot be used at other retailers, online stores, or for cash withdrawals.

Overview

Feature	Details
Issuer	NewDay Ltd
Usable At	Argos, Habitat, Sainsbury’s
APR	34.9% (variable)
Credit Limit	Varies based on eligibility
Interest-Free Periods	Available on qualifying purchases

This card is best suited for customers looking for flexible payment plans on high-ticket Argos purchases rather than a general-use credit card.

Key Features of Argos Credit Card

The Argos Credit Card comes with several key features that make it appealing to Argos customers:-

Interest Free Payment Plans

• Spend £50+ – 3 months interest-free
• Spend £199+ – 12 months interest-free

If you clear the balance before the period ends, you won’t pay interest. However, missing a payment can lead to high interest charges.

No Annual Fee

There are no hidden costs or annual charges, making it a low-maintenance Credit card option.

High APR (34.9%)

If you don’t clear your balance within the interest-free period, the standard interest rate applies, which is higher than most mainstream credit cards.

Limited Usability

Unlike Mastercard or Visa, this card cannot be used outside Argos, Sainsbury’s, and Habitat.

Pros and Cons of the Argos Credit Card

The Argos Credit Card offers flexible payment options and interest-free periods, making it convenient for frequent shoppers at Argos, Habitat, and Sainsbury’s. However, it comes with high APR rates and limited usability.

Pros

• No annual fee – You won’t pay for simply owning the card.
• Flexible interest-free plans – Helps spread costs on large purchases.
• Soft credit check for eligibility – Won’t impact your credit score initially.
• Potential credit limit increases – With responsible usage, limits may rise.

Cons

• Limited use – Only accepted at Argos, Habitat, and Sainsbury’s.
• High APR (34.9%) – Interest can be expensive if balances aren’t cleared in time.
• No cashback or rewards – Unlike mainstream credit cards.
• Late payment fees – £12 per missed payment, which can impact your credit score.

Is the Argos Credit Card Good for Bad Credit?

If you have a low credit score, you may find it easier to qualify for the Argos Credit Card compared to mainstream credit cards. However, the high APR makes it a risky option for building credit.

Some other Better alternatives for bad credit:–

• Barclaycard Forward – Lower APR and rewards.
• Aqua Advance Credit Card – Designed for building credit.
• Vanquis Credit Card – Low initial credit limits but reports to credit bureaus.

Interest Free Plans

Interest-free plans are the biggest selling point of this card. Here is how it works:-

• Spend £50+ – Get 3 months interest-free
• Spend £199+ – Get 12 months interest-free

Note:- You must make the minimum monthly payment and clear the balance before the period ends. Otherwise, you’ll be charged a high 34.9% APR.

Fees and Charges

Fee Type	Cost
APR	34.9% (variable)
Late Payment Fee	£12
Minimum Payment	1% or £5 (whichever is greater)
Cash Withdrawals	Not allowed

Paying off the balance before the promotional period ends is crucial.

How to Apply for the Argos Credit Card?

Before applying for the Argos credit card it is suggested to compare with the other credit card available. After comparing, if you think this is the best fit for your financial need then follow the below steps to apply for the card:-

• UK resident
• Over 18 years old
• Steady income and bank details
• Proof of address (last 2 years)

Soft Credit Check: NewDay conducts an initial eligibility check without impacting your credit score.

Who Should Get the Argos Credit Card?

Best for:

• Regular shoppers at Argos, Habitat, or Sainsbury’s.
• Those who can pay off balances within the interest-free period.
• People looking for a no-fee store card.

Not recommended for

• Those who want cashback or rewards.
• People needing a general-use credit card.
• Shoppers who carry a balance month-to-month.

Conclusion

The Argos Credit Card can be a useful tool for spreading the cost of purchases at Argos, Habitat, and Sainsbury’s. However, its limited usability, high APR, and lack of rewards make it less attractive compared to mainstream credit cards.

• Good for short-term financing on Argos purchases.
• Not ideal for everyday spending or carrying a balance.
• Better alternatives exist for those with bad credit or those looking for rewards.

Thinking of getting a better deal? Check out our reviews of Asda Select, Barclaycard Forward, and Vanquis Credit Cards.

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