As with most every Ratchet & Clank game, A Crack in Time allows players to purchase armour at Armour Vendors to lessen the damage done by enemies and obstacles. Especially on the hard difficulty levels, purchasing armour is essential for ease of play, however a skilled player can increase the difficulty of the game artificially by refusing to buy any armour.
The Armor of Ratchet & Clank Future: Crack in Time is unique among all Ratchet games in the fact that it is in fact Holographic Armor. This allows for Ratchet to retain a consistent look throughout cinematics and in-game cutscenes. However, there are some differences between a scene and gameplay. The most noticeable one is that the lights for the armor turn off during scenes, and Ratchet's helmet retracts, leaving his cap visible. A more easily missed difference is that the emblems are always that of the Holoflux Armor no matter what type of armor Ratchet is wearing at the time. The final difference is that the shoulder pads are always the shorter Holoflux variety.
The -flux armour in A Crack in Time resembles the Lombax armor worn by Azimuth and Kaden, primarily in the large circular light on Ratchet's chest, which is placed on the right side. The parallel to Kaden's armor is the use of straps attached to it, but there is also a parallel to Azimuth's as well in the use of a matte grey undersuit.
- Ratchet's in-game armor only appears in a scene once, on planet Quantos, where Ratchet's helmet extends as he prepares to fight Vorselon's forces. This however is only ever the helmet for the Holoflux Armor, and this version extends even when Ratchet has other armor in Challenge Mode (or even when the player has equipped a skin).
- The -flux line of armor, being holographic, may be the only canonical explanation for skins to be available in the Ratchet & Clank world.
- Unlike Tools of Destruction (but like Going Commando and Up Your Arsenal), it is possible to save money by skipping the purchase of a set of armor, and buying a later one. Tools of Destruction only allows the player to buy a new set of armor once the one before it has been bought.
- In Ratchet & Clank Future: Tools of Destruction, there was an armor available called the Terraflux Armor, it is possible it may be related to the armor sets in A Crack in Time.