Save 4% on all your purchases from day one – plus up to 37 days to pay

Need to make the most of your annual budget? Of course you do. So get the everyday essentials your organisation needs – for less – with a Business Account at Argos.

Put everything you buy from us on your Business Account and you automatically get a 4% discount off the weekly invoice. You can choose from thousands of products from Argos and Habitat stores, as well as buy online at Whether you buy one item or make regular purchases, grabbing a 4% saving at Argos is a simple way to make your budget go even further. Plus you keep your finance department extra happy – they get up to 37 days to pay, with less paperwork to manage.

It’s easy to get everyone using the account. We’ll issue a free purchasing card to as many people within your organisation as you wish. Every card is connected to the same Business Account, which can consolidate everyone’s purchases onto one invoice – taking the hard work out of administering day-to-day buying for business.  If you would prefer a single invoice for each purchase let us know on the application form and your account will be set up to do just that.

Apply now

You can apply for your Business Account online, or on a printable form.

Let’s get started

Apply now online

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STEP ONE: about you…

Let us know who you are before we take you to the application form.

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Need more info? Read our FAQs

Or view the Business Account T&Cs

    Frequently Asked Questions about the Argos Business Account

    Anything else you need to know? Just call 0345 421 7000

  • Why should I have an Argos Business Account?
  • The Business Account is designed to meet the needs of customers who want to purchase goods for their business and take advantage of the choice, convenience and value that Argos and Habitat provide.

    The account is suitable for businesses and organisations, both large or small and is particularly beneficial to those businesses who have several employees needing to make purchases as each can be given a card.

    There are no charges or fees for using the card. In addition you’ll receive detailed weekly invoices via email, itemising all spend and making it easier for you to reclaim your VAT.

  • Who can apply for a Business Account?
  • Any company, organisation or sole trader that wishes to make regular business purchases from Argos or Habitat.

  • Are there any charges for having this account?
  • No. It is a completely free service for our business customers to use.

  • Will I be tied into a contract?
  • There is no contractual tie in with an Argos Business Account, but you will need to enter into an agreement to the Terms and Conditions that relate to the account. The agreement can be terminated at any time with 14 days notice upon which any outstanding balance will be due.

  • What is the approval criteria for the Business Account?
  • We use an approved credit agency to undertake all credit checks. If you are a limited company the credit check is based on accounts information filed at Companies House. For non-limited companies or sole traders the credit check is based on your trading history.

  • What will my account credit limit be?
  • Your credit limit will be notified to you in the welcome e-mail you receive. The amount of credit available will be based on your estimated spend and the results of the credit check which is performed when you apply for a Business Account

  • How does the discount work?
  • You’ll get 4% discount on all of your purchases at Argos and Habitat. This is in addition to any promotions offers or discounts that those retailers are already offering. The discount is applied on the invoice so any receipts will show the full price of the item.

  • How many cards can I have on one account?
  • We usually recommend a maximum of 5 cards per account, but if you need more than this please discuss it with us.

  • When will I receive my Business Account card(s)?
  • We will let you know once your account has been approved and cards are usually sent out to you within 10 working days

  • How do I use my new Business Account?
  • As soon as you receive your card you can use it on-line at (please ensure you pick the Business Account option when selecting payment method to ensure you get your 4% discount)

    You can also use your card:
    • At over 750 Argos stores − click here to find your nearest Argos store
    • In 3 flagship Habitat stores in London

  • What do I need to do with the PO/YOUR ref field when making purchases online?
  • This is a reference for you to be able to match your purchase with the consolidated invoice you will receive.

  • First time in an Argos Store?
  • If you are new to shopping at Argos don’t worry – our stores are a little different from other retailers. Use the catalogues or one of the i-pads on the display tables to make your product selection if you have not already done so. Make a note of the 7 digit catalogue number(s) of the item(s) you wish to purchase and go to a till point with a cashier where you will be able to pay with your Business Account card. The cashier will then give you a receipt and advise you where you need to go to collect your items.

    If you are in any doubt, just ask a member of staff.

  • What if I need my item(s) from Argos today?
  • Simply reserve your items online and select the store you wish to collect them from. Payment can be made at the store when you collect your items. Click here for store locations.

    Unfortunately this service is not currently available for Habitat stores.

  • Can I use my card in the Argos quick pay Kiosks?
  • Unfortunately not at the moment, but we are working on this.

  • How do I order additional cards?
  • You can order additional and replacement cards by contacting Argos for Business. This can be done via email to or by calling 0345 605 4380.

  • What if I lose my card or need to cancel it?
  • Just call us on 0345 605 4380 and we will be able to sort this out for you.

  • Do cards have an expiry date?
  • Yes the expiry date is shown on the bottom of each card − it is usually 3 years from the date of issue.

  • How does the credit limit work?
  • Once a successful application has been made, the Account Holder will receive an email detailing the credit limit on the account (irrespective of the number of cards issued). If your credit limit is reached or exceeded your account will be put on hold until a payment is made or a credit limit increase has been requested and approved.

    If there are any over-due invoices on the account these will need to be settled before any further purchases can be made.

    For more information, or to request an increase to your credit limit, please contact the Credit Control team via email or by calling 0345 604 6401.

  • How often will I be invoiced?
  • You’ll receive a consolidated weekly invoice via email .

  • What information will I see on my invoice?
  • Your invoice will detail all purchases made with your Business Account card(s). It will itemise all purchases, showing the date of purchase, the item(s) purchased, the store location, the purchase order number / reference you provided, as well as the net, gross and VAT amounts.

  • Can I make interim payments?
  • Yes − you can make an interim payment by calling the Credit Control Team on 0345 604 6401. Cleared payment will be required if you wish to continue to purchase beyond your credit limit

  • Will I be sent an invoice for each card?
  • No − all card transactions details for an account will appear on a single invoice, meaning there is less paperwork for you.

  • How do I pay my invoice?
  • Invoices can be paid via Direct Debit, BACS or Cheque.

  • Can I use the invoice to reclaim VAT?
  • Yes − the line item detail on them means you can use them to reclaim the VAT, where you are eligible to do so.

  • Who do I call if I have a general query?
  • If you have a general query relating to your account call our Team on 0345 640 0864 (option # 3) Lines are open Monday − Friday 8am − 8pm and Saturday – Sunday 9am – 5pm

  • Is there a minimum / maximum spend?
  • No, you can choose to spend as much or as little as you like within your credit limit.

  • What happens if my card is declined when making a purchase?
  • If your card is declined online or in store you will be notified of this and asked if you wish to pay via an alternative method. If you have any queries please call our Credit Control Team on 0345 640 6401

  • Who do I call if I have a query with my order?
  • Please contact the relevant retailer:
    • For Argos − click here
    • For Habitat – click here

  • Can I buy Gift Vouchers with my Business Account card?
  • Yes you can use your card in store to purchase up to £500 worth of gift vouchers.

©2016 Argos Business Solutions Ltd. Home Retail Group plc. Registered Office: Avebury, 489-499 Avebury Boulevard, Milton Keynes MK9 2NW. Registered in England & Wales No.5863533