Apple sold over 5.5 million Mac computers last quarter which is enough to give every person in Ireland one of their own. With highly products such as the iPhone, iPad, and now the Apple watch more and more people are turning to the Apple ecosystem of products to stay connected with family and friends. There are some things to do before buying an Apple product because they are not cheap. Make sure you plan your Apple purchase ahead of time and decide which rewards card you are going to use to maximize your cash back. This Barclaycard Visa offers no-interest financing on purchases made at Apple as well as 3 points per $1 spent at the Apple Store and on iTunes.
You’ll earn 3 points per $1 spent at the Apple Store and on iTunes, 2 points per $1 at restaurants, and 1 point on all of your other purchases. You can then get a $25 Apple Store Gift Card for each 2,500 points that you earn. As a bonus you can receive no-interest financing up to 18 months on purchases made at Apple within the first 30 days of account opening.
To get the special financing just go in the Apple store with the card or buy online and you’ll pay no interest for 6 months on purchases under $498. If your purchases are from $499 to $998 then no interest for 12 months and no interest for 18 months on purchase of $999 or more.
The best way to buy Apple products such as the Apple Watch is to purchase it online to get an extra 1x back on purchases with Ebates. This would put you at the 3 points per dollar from the card then another point per dollar from the online cash back site. You are still buying from the Apple store online but just clicking a link through Ebates. They also offer promotions where you can get 3x or more on certain days.
Cashback at Restaurants and Dining
You will earn 2 points for every $1 you spend on restaurant/dining purchases.
For all other purchases, you will earn 1 point for every $1.
There’s no annual fee so its a great card to use to finance your computer. This is a much better alternative to a computer loan. The special financing for Apple purchases needs to be made at store.apple.com, Apple Retail Stores, or 1-800-MY-APPLE using the Barclaycard Visa.
You can also use a business credit card that pays cash back on computer related purchases or sign up for a 5% category that is related so check other cards to see if there is a better offer. Other no interest credit cards may work to transfer this balance once it is ready to be paid off in 18 months. You could then extend this 18 months into 12 more months or more.
The time is now to start planning ahead for your iPhone 6S purchase as we hope it will be released this summer or fall!