Argos MasterCard

At Barclaycard we have a partnership credit card with Argos that offers you great rewards.

Switch to the Argos MasterCard and get money back to spend at Argos

Does your credit card give you money back every time you shop? With the Argos MasterCard you'll get money back to spend at Argos with every purchase. So apply today and you could get 2% back when you shop in Argos and 1% back when you shop everywhere else.

Why not earn a £10 Argos Gift Card from your everyday spending?

The average family spends £76.50 on their weekly groceries and transport*. If you used your Argos MasterCard this could earn you a £10 Argos Gift Card every 3 months!

So, whether you're filling up the car with petrol, doing your weekly shop or buying a new TV, your money back to spend at Argos will soon add up. Then every three months we'll send you your Argos Gift Cards and you can spend them on any of the 18,000 products in the Argos catalogue. The minimum Argos gift card amount is £5. Terms and conditions will apply

Plus offers and rewards just for you

Every time you spend on your Argos MasterCard, you'll get exclusive discounts on big brands with Your Rewards+. You could treat yourself to fantastic savings on a range of big brand products or take advantage of an exciting offer from other leading retailers and top leisure companies.

Want even more?

When you take out an Argos MasterCard you'll get three 0% offers to get you started including:

• 0% interest on balance transfers for 9 months made within 60 days of account opening (3% handling fee applies)
• 0% interest on Argos purchases for 6 months from account opening
• 0% interest on all other purchases for 3 months from account opening

Important information

Argos MasterCard reserves the right to withdraw this offer at any time. Argos MasterCard is subject to application and status. Terms and Conditions apply

*Office for National Statistics. Family Spending 2008 Edition. Transport includes petrol, diesel and other motoring oils, rail, tube and bus fares. Groceries includes food and non-alcoholic drinks.

Think about Argos MasterCard if you:

• Shop at Argos online or in-store
• Want a credit card that rewards you every time you make a purchase
• You are aged 18 or over
• You are not a student
• You haven’t missed payments on a credit card, loan or mortgage in the last 12 months
• You have no history of bankruptcy or defaulted credit agreements
• You haven’t had any County Court Judgements (CCJs) or Individual Voluntary Arrangements (IVAs) in the past 5 years
• You haven’t recently applied or been declined for the Argos MasterCard

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Interest rates	Introductory Rates	Monthly interest rate	Annual interest rate
Purchases	0% interest on Argos purchases for 6 months from account opening. 0% interest on non Argos purchases for 3 months from account opening.	1.457%	18.9%
Cash Advances	N/a	2.207%	29.9%
Balance transfers	0% interest for 9 months on balance transfers made within 60 days of account opening with a handling fee of 3% on amounts up to £5,000	1.457%	18.9%

	From	To
Purchases	Transaction date	Paid in full
Cash Advances	Transaction date	Paid in full
Balance transfers	Date debited from your account	Paid in full
	Interest is charged on your average daily balance. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£115.83	£97.69	£56.70
How much interest will be charged in the second year?	£131.21	£53.28	£0
How long would it take to clear the balance?	13 years, 7 months	2 years, 1 month	1 year, 1 month

Argos MasterCard balance transfer terms and conditions

1. You can transfer up to £5,000 or 90% of your credit limit, whichever is lower, depending on the available credit limit on your account.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer.
3. A 3% handling fee will apply to each 0% interest balance transfer you make.
4. We can’t accept transfer from cards or loans issued by companies within the Barclays Group.
5. If you choose to close your account with other lenders, please let them know in writing.
6. You should continue to make payments to other lenders until the balance has been confirmed.
7. At the end of their promotional periods, Promotional Balances will be transferred to the Standard Balance and the standard rate will apply unless they relate to cash transactions in which case they will be transferred to the Cash Balance and the cash rate will apply.
8. We will transfer Promotional Balances to the Standard Balance or the Cash Balance (as relevant) at the end of the promotional period and also if you break this agreement.
9. We will also apply the standard rate (or cash rate if applicable) to Promotional Balances before the end of their promotional periods if you do not make at least your minimum payment by the payment due date or if you exceed your credit limit at any time.
10. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Argos MasterCard account. Please see summary box and Argos MasterCard conditions about allocation of payments.