BarclayCard Makes it Easy to Buy Apple Gear


The Apple Watch and the iPhone 6 with Touch ID combine to make Apple Pay a compelling method of payment, but how do you get those devices in the first place? BarclayCard thinks it has a better way to buy those devices. A special promotion lets you buy Apple gear with "deferred interest" and earn rewards in the process. The rewards are Apple Store gift cards based on how much you spend. You get 3 points for every dollar in Apple Store or iTunes purchases, 2 points for every dollar at restaurants, and 1 point for ever dollar spent on other purchases. 2,500 points earns a $25 Apple Store gift card. This is significant because Apple products rarely go on sale, especially at the Apple Store.

The deferred interest plan is trickier. It is not exactly zero interest, as interest accumulates during your financing period. That period is 6 months for purchases under $499, 12 months for $499 to $999, and 18 months for larger purchases. If you make your minimum monthly payments, and pay off the entire amount before the financing period ends, you won't pay a penny in interest. This essentially makes it a zero interest loan and that's a good deal.

If, however, you don't pay off the full amount, interest will be due and it will be calculated from the date of purchase, so it could be sizeable. Still, if you are attentive and responsible, you could end up with zero interest on your Apple purchases plus extra Apple Store gift cards so you can buy more stuff.

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Author Details

Todd Bernhard's picture

Author Details

Todd Bernhard

Todd Bernhard is a bestselling (6+ million downloads) award-winning (AARP,,, Digital Hollywood, and Verizon) developer and founder of NoTie.NET, an app developer specializing in Talking Ringtone apps including AutoRingtone. And his profile photo is of the last known sighting of Mr. Bernhard wearing a tie, circa 2007!

An iPhone is almost always attached to his hip or in his pocket, but over the years, Mr. Bernhard has owned an Apple Newton, a Motorola Marco, an HP 95LX, a Compaq iPaq, a Palm Treo, and a Nokia e62. In addition to writing for iPhone Life, Mr. Bernhard has written for its sister publications, PocketPC Magazine and The HP Palmtop Paper.