how to save money on apple products with your credit card

The Ultimate Guide to Saving Money on Apple Products with Your Credit Card

Save Money On Apple Products

Interested in how to save money on Apple products with your credit card? Apple sells some of today’s most desired gifts, everything from iPhones to MacBooks to the iPad. Problem is, few of these products are cheap. And in today’s economy, few of us have extra dollars to spare.

Thanks to your credit card, though, the odds are good that you can save on a wide range of Apple products. Credit card companies today are competing harder than ever for your dollars. When the economy is down, consumers tend to spend less. To entice more reticent consumers, credit card companies are offering a wide variety of perks.
This extends to Apple offerings, too. Most major credit cards today offer significant savings on Apple products. You just have to search a bit to find them.
Be warned, though: Sometimes even these special offers aren’t valuable enough to make buying an Apple product through your credit card’s rewards programs as cost-effective as turning your rewards points into cash and buying iPods and iPads from other online retailers or brick-and-mortar stores.

Below, we cover exactly how you can save money on Apple products by using your credit card…

AMEX Membership Rewards: Redeem Points for Free Apple Products

Consumers who hold the American Express Preferred Rewards Gold Card or the Platinum Card from American Express (see our comparison of the two cards here) can participate in the American Express Membership Rewards program, a program in which they can turn their rewards points into everything from free airline flights to restaurant gift certificates to home electronics.

American Express offers its consumers a range of Apple products from which to choose. And those members who purchase Apple products from Membership Rewards will receive a nice bonus, three rewards points for every dollar that they spend on these products.
Visit American Express Membership Rewards

Chase Ultimate Rewards: Redeem Points for Free Apple Products

If you hold a Chase Sapphire or Freedom card, you’re eligible to participate in the credit card issuer’s Ultimate Rewards program.
At UltimateRewards.com, you can redeem your rewards points for merchandise, gift cards, travel, and experiences. The site also offers pages of Apple products. And if you look closely enough, you’ll find plenty of bargains on these products.

During a recent visit to the site, CreditShout found that Ultimate Rewards members could purchase a MacBook Air for just $999. This offer came with free shipping from the Apple Online Store. The site was also offering the iPod Touch 8GB, 32GB, and 64GB starting at $199. This offer came with free engraving.
Other offers include free ground shipping on all Apple orders of more than $50 and free engraving and free shipping on any iPod.
Finally, Chase was passing out three rewards points for every dollar that consumers spend on Apple products.

Be warned, though, that these offers change quickly. You’ll have to log onto the site to see what offers Ultimate Rewards is currently boasting on Apple products.
Ultimate rewards are available to most Chase cardholders, including those with the Chase Freedom card.
Visit Chase Ultimate Rewards

ShopDiscover: 5% Cash Back on Apple Products

Discover Cardmembers who are eligible for that company’s rewards program (like those with a Discover it card) can shop online at ShopDiscover. Once there, they’ll find that ShopDiscover, too, offers a host of iPads, iPhones, iPods, MacBooks, and other Apple Store products.

[#Discover_More#]
Consumers who buy Apple products from ShopDiscover, though, will earn a big reward: They’ll receive a 5 percent cashback bonus every time they buy a product from Apple. They’ll also receive free shipping on all Apple orders of more than $50.
This is a quick way to save significant money on Apple purchases. ShopDiscover is available to Discover cardholders, including those with the Discover More card.
Visit the ShopDiscover Portal

Citi Card: 2% Cash Back on Apple Products

Citi Cardholders can shop online at Citi’s ThankYou Rewards portal and earn 2 percent cash back for every Apple product they buy through the site. Again, consumers will also receive free shipping on all Apple orders of $50 or more.
Visit The Citi ThankYou Rewards Portal

Cashing in Your Points & How To Save Money On Apple Products

Of course, earning bonuses is just one facet of shopping for Apple products through your credit card’s online shopping portal. The bigger question might be just how many Apple products you can buy from your credit card company and by cashing in how many points.
Consider American Express’ Membership Rewards site. During one recent visit, consumers could pick up an iPod Touch 32GB for 60,000 rewards points, an iPad 16GB for 127,700 points and an Apple iPad Nano 8GB for 32,500 points.

The Apple Fourth Generation iPod Touch 32GB during a recent visit to Chase Ultimate Rewards site cost 35,800 points.
This brings up a good point: You’ll have to carefully weigh all the offers that companies like Chase, Discover, and American Express have for Apple products. That’s because it might sometimes make more sense to simply turn your points into cash and buy your Apple products at discount stores such as Wal-Mart or online retailers such as Amazon.com.

Consider the Apple iPod Touch example from Chase. Those 35,800 points translate to roughly $358. That’s not exactly cheap for the Touch. You’d probably be able to find the product for less money from other retailers.

However, if the bonus savings offered by Chase at the time are high enough, purchasing the Touch through Ultimate Rewards might actually pay off.
When you shop for Apple products online from your credit card companies, then, don’t forget to do the research. Depending on any special offers, buying Apple products from Chase, American Express and the rest might not be — or might be — the best deal available.
Apple sells some of today’s most desired gifts, everything from iPhones to MacBooks to the iPad. Problem is, few of these products are cheap. And in today’s economy, few of us have extra dollars to spare.

Thanks to your credit card, though, the odds are good that you can save on a wide range of Apple products. Credit card companies today are competing harder than ever for your dollars. When the economy is down, consumers tend to spend less. To entice more reticent consumers, credit card companies are offering a wide variety of perks.
This extends to Apple offerings, too. Most major credit cards today offer significant savings on Apple products. You just have to search a bit to find them.
Be warned, though: Sometimes even these special offers aren’t valuable enough to make buying an Apple product through your credit card’s rewards programs as cost-effective as turning your rewards points into cash and buying iPods and iPads from other online retailers or brick-and-mortar stores. Learn exactly how you can save money on Apple products with your credit card…

 

AMEX Membership Rewards: Redeem Points for Free Apple Products

Consumers who hold the American Express Preferred Rewards Gold Card or the Platinum Card from American Express (see our comparison of the two cards here) can participate in the American Express Membership Rewards program, a program in which they can turn their rewards points into everything from free airline flights to restaurant gift certificates to home electronics.

American Express offers its consumers a range of Apple products from which to choose. And those members who purchase Apple products from Membership Rewards will receive a nice bonus, three rewards points for every dollar that they spend on these products.
Visit American Express Membership Rewards

Chase Ultimate Rewards: Redeem Points for Free Apple Products

If you hold a Chase Sapphire or Freedom card, you’re eligible to participate in the credit card issuer’s Ultimate Rewards program.
At UltimateRewards.com, you can redeem your rewards points for merchandise, gift cards, travel, and experiences. The site also offers pages of Apple products. And if you look closely enough, you’ll find plenty of bargains on these products.

[#Chase_Freedom#]
During a recent visit to the site, CreditShout found that Ultimate Rewards members could purchase a MacBook Air for just $999. This offer came with free shipping from the Apple Online Store. The site was also offering the iPod Touch 8GB, 32GB, and 64GB starting at $199. This offer came with free engraving.
Other offers include free ground shipping on all Apple orders of more than $50 and free engraving and free shipping on any iPod.
Finally, Chase was passing out three rewards points for every dollar that consumers spend on Apple products.
Be warned, though, that these offers change quickly. You’ll have to log onto the site to see what offers Ultimate Rewards is currently boasting on Apple products.
Ultimate rewards is available to most Chase cardholders, including those with the Chase Freedom card.
Visit Chase Ultimate Rewards

ShopDiscover: 5% Cash Back on Apple Products

Discovercard members who are eligible for that company’s rewards program (like those with a Discover it card) can shop online at ShopDiscover. Once there, they’ll find that ShopDiscover, too, offers a host of iPads, iPhones, iPods, MacBooks, and other Apple Store products.
Consumers who buy Apple products from ShopDiscover, though, will earn a big reward: They’ll receive a 5 percent cashback bonus every time they buy a product from Apple. They’ll also receive free shipping on all Apple orders of more than $50.
This is a quick way to save significant money on Apple purchases. ShopDiscover is available to Discover cardholders, including those with the Discover More card.
Visit the ShopDiscover Portal

Citi Card: 2% Cash Back on Apple Products

Citi Cardholders can shop online at Citi’s ThankYou Rewards portal and earn 2 percent cash back for every Apple product they buy through the site. Again, consumers will also receive free shipping on all Apple orders of $50 or more.
Visit The Citi ThankYou Rewards Portal

Cashing in Your Points To Save Money On apple Products With Your Credit Card

Of course, earning bonuses is just one facet of shopping for Apple products through your credit card’s online shopping portal. The bigger question might be just how many Apple products you can buy from your credit card company and by cashing in how many points.
Consider American Express’ Membership Rewards site. During one recent visit, consumers could pick up an iPod Touch 32GB for 60,000 rewards points, an iPad 16GB for 127,700 points, and an Apple iPad Nano 8GB for 32,500 points.

Save Money On Apple Products:

 

The Apple Fourth Generation iPod Touch 32GB during a recent visit to Chase Ultimate Rewards site cost 35,800 points.
This brings up a good point: You’ll have to carefully weigh all the offers that companies like Chase, Discover, and American Express have for Apple products. That’s because it might sometimes make more sense to simply turn your points into cash and buy your Apple products at discount stores such as Wal-Mart or online retailers such as Amazon.com.

Consider the Apple iPod Touch example from Chase. Those 35,800 points translate to roughly $358. That’s not exactly cheap for the Touch. You’d probably be able to find the product for less money from other retailers.

However, if the bonus savings offered by Chase at the time are high enough, purchasing the Touch through Ultimate Rewards might actually pay off.
When you shop for Apple products online from your credit card companies, then, don’t forget to do the research. Depending on any special offers, buying Apple products from Chase, American Express and the rest might not be — or might be — the best deal available.

Credit Shout is a community of personal finance experts dedicated to helping you save money and make smart financial decisions. Learn how to master your credit card rewards, improve your credit score and start eliminating your debt.