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Apple Card Financing/Gift Cards/Apple Care question

asb1

macrumors newbie
Original poster
Jun 8, 2020
20
5
I'm looking to buy a new 27" iMac, and am hoping to use the Apple Card 0%/12 month financing. I already have an Apple Card. I also have about $500 in Apple gift cards I'd like to use.

This seems to not be possible; has anyone successfully done this? Or have a creative work around?

(I am not interested in the barclaycard financing, I've already opened an account with them for a previous Mac purchase. I'd rather not deal with a new card through them, and I also would not get the 3% daily cash.)

I am going to get AppleCare. Is there any reason *not* to do that in a separate transaction, so I could use part of the gift cards for that? Is the coverage in any way different if you buy it shortly after purchasing the device, as opposed to in the original purchase transaction?
 

Namara

Contributor
Apr 16, 2020
2,975
2,835
East of the sun, west of the moon
I'm looking to buy a new 27" iMac, and am hoping to use the Apple Card 0%/12 month financing. I already have an Apple Card. I also have about $500 in Apple gift cards I'd like to use.

This seems to not be possible; has anyone successfully done this? Or have a creative work around?

(I am not interested in the barclaycard financing, I've already opened an account with them for a previous Mac purchase. I'd rather not deal with a new card through them, and I also would not get the 3% daily cash.)

I am going to get AppleCare. Is there any reason *not* to do that in a separate transaction, so I could use part of the gift cards for that? Is the coverage in any way different if you buy it shortly after purchasing the device, as opposed to in the original purchase transaction?
The Applecare+ coverage is the same coverage and price regardless whether you buy it with the device or within the 60-day period.

If you already have the Apple Card, it's not clear from your post why you can't get the 0%/12 month arrangement. Could you give more details? Are you saying it won't work if you're using multiple payment methods (i.e., your gift card)? Have you talked by phone with an Apple Store support person?
 

asb1

macrumors newbie
Original poster
Jun 8, 2020
20
5
The Applecare+ coverage is the same coverage and price regardless whether you buy it with the device or within the 60-day period.

If you already have the Apple Card, it's not clear from your post why you can't get the 0%/12 month arrangement. Could you give more details? Are you saying it won't work if you're using multiple payment methods (i.e., your gift card)? Have you talked by phone with an Apple Store support person?

Thanks for the AppleCare info!

I am hoping to apply my gift cards, and then finance the rest of the price. It doesn't seem like you can use a gift card in any way unless you are paying in full.

I have called Apple support and they did not think it was possible, but they weren't particularly helpful so I thought I'd see if anyone has a creative solution.
 
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hallux

macrumors 68040
Apr 25, 2012
3,197
746
So.. You can't apply the gift card then pay for the rest using the Apple Card? Does it not work i nthe same way a regular credit card does (which you'd be doing if you couldn't use the Apple Card)? For what it's worth - the AC+ purchase showed up seperately on my credit card (actually the BarclayCard since I applied for and received the 0% offer) even though I bought it at the same time as my MBP.

On the BarclayCard deal - CALL THEM! If you have an account you can call and see if you qualify for any offers. If I understood correctly, I was told that they will generally apply current offers to existing members, or at least give you something close but you have to call.
 

Boyd01

Moderator
Staff member
Feb 21, 2012
5,164
2,408
New Jersey Pine Barrens
Regarding AppleCare, I was debating buying it for my 2018 Mini after the purchase. So I went to the site and was amazed that I couldn't use Apple Pay for it. No matter, I entered all the MasterCard info that is available in the wallet app, like I have done on other sites that don't take Apple Pay. After a long wait, it said the transaction was refused! Getting annoyed, I entered my American Express card info and had the same problem. At that point I said "screw it" and gave up.

Posted about this here, and somebody else said they had the exact same experience but tried again later and was able to make the purchase. Anyway, it's ridiculous that you can't use Apple Pay to purchase AppleCare. This was a few weeks ago, so maybe it's different now?
 

asb1

macrumors newbie
Original poster
Jun 8, 2020
20
5
So.. You can't apply the gift card then pay for the rest using the Apple Card? Does it not work i nthe same way a regular credit card does (which you'd be doing if you couldn't use the Apple Card)? For what it's worth - the AC+ purchase showed up seperately on my credit card (actually the BarclayCard since I applied for and received the 0% offer) even though I bought it at the same time as my MBP.

On the BarclayCard deal - CALL THEM! If you have an account you can call and see if you qualify for any offers. If I understood correctly, I was told that they will generally apply current offers to existing members, or at least give you something close but you have to call.

There is a special financing option through AppleCard, 0% interest for 12 months. But you can't apply a gift card to this in any way, it seems.

I ended up just financing it and I'll hold on to my gift cards. They're just burning a hole in my pocket!
 

asb1

macrumors newbie
Original poster
Jun 8, 2020
20
5
Regarding AppleCare, I was debating buying it for my 2018 Mini after the purchase. So I went to the site and was amazed that I couldn't use Apple Pay for it. No matter, I entered all the MasterCard info that is available in the wallet app, like I have done on other sites that don't take Apple Pay. After a long wait, it said the transaction was refused! Getting annoyed, I entered my American Express card info and had the same problem. At that point I said "screw it" and gave up.

Posted about this here, and somebody else said they had the exact same experience but tried again later and was able to make the purchase. Anyway, it's ridiculous that you can't use Apple Pay to purchase AppleCare. This was a few weeks ago, so maybe it's different now?

Hmm. Well, when the computer arrives I'll buy it and hopefully I can use a gift card!
 

Namara

Contributor
Apr 16, 2020
2,975
2,835
East of the sun, west of the moon
I am going to get AppleCare. Is there any reason *not* to do that in a separate transaction, so I could use part of the gift cards for that? Is the coverage in any way different if you buy it shortly after purchasing the device, as opposed to in the original purchase transaction?

I thought you were going to use a gift card to buy Applecare+. Maybe I misunderstood earlier on.
 
Last edited:

theadder

macrumors newbie
Sep 8, 2019
24
10
Apple doesn’t permit using the 12 month financing with the veterans’ discount; but the veterans’ discount can be combined with the Barclaycard financing. There are a bunch of incompatibilities and odd constraints.
 

TrevorR90

macrumors 6502
Oct 1, 2009
270
177
Apple doesn’t permit using the 12 month financing with the veterans’ discount; but the veterans’ discount can be combined with the Barclaycard financing. There are a bunch of incompatibilities and odd constraints.

Wow that’s good to know about the veterans discount.
 
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