New iPhones: Discover Cash Back or UR Points

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rockyrock
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New iPhones: Discover Cash Back or UR Points

Postby rockyrock » Mon Jun 17, 2013 5:40 am

Later this year I will be buying two new iPhones for $1600.

My options:

5% cash back from Discover ($80) or

With the UR Mall I would get 3200 UR pts plus:
CSP: 1600 UR pts
Discover: 1% cash back
SPG: extended coverage and 1600 Starpoints
Amex Plat: extended coverage and 1600 MR pts

Starpoints and UR points are valued about the same to me. My Amex Plat will be completely out of rotation in the next few months so MR points are less valuable to me.

Feedback or other ideas? All my cards are in my signature.

Thanks
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nvtech
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Postby nvtech » Mon Jun 17, 2013 12:36 pm

From which store are you getting them?

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djrez4
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Postby djrez4 » Mon Jun 17, 2013 1:10 pm

SPG for the 3200 UR points, 1600 SPG points, and Amex extended warranty and 90-day "oops-I-dropped-it" protection.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

Sevenfeet
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Postby Sevenfeet » Mon Jun 17, 2013 3:07 pm

You're buying them outright, not on contract?

EDIT: You're in Djibouti, so you buy phones differently in that part of the world. Buying phones on contract is mostly a thing in the US. Answered my own question...never mind.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

rockyrock
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Postby rockyrock » Tue Jun 18, 2013 1:21 am

nvtech wrote:From which store are you getting them?


Directly through Apple, I'll just be porting through the UR Mall or the Discover Shop.

djrez4 wrote:SPG for the 3200 UR points, 1600 SPG points, and Amex extended warranty and 90-day "oops-I-dropped-it" protection.


I'm leaning this way for this exact reason. The extra year on defects will be nice too.

Sevenfeet wrote:You're buying them outright, not on contract?

EDIT: You're in Djibouti, so you buy phones differently in that part of the world. Buying phones on contract is mostly a thing in the US. Answered my own question...never mind.


Good catch, I should have clarified that point. I am in Djibouti but will be home by then. I'm on T-Mobile's no contract plan so my options are to pay upfront or finance through T-Mobile for 24 mos. I'm choosing to by direct from Apple so I can take advatage of the aforementioned point options.
Sapphire Reserve: travel & dining
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

Gamma
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Postby Gamma » Tue Jun 18, 2013 10:19 pm

I am in Djibouti but will be home by then. I'm on T-Mobile's no contract plan so my options are to pay upfront or finance through T-Mobile for 24 mos. I'm choosing to by direct from Apple so I can take advatage of the aforementioned point options.

I just switched to T Mobile and that was a question I had in mind. If you choose to finance with them and put 100 down and 20/mo for each phone, you would only be covered for the 100 bucks you put down. It would be best to pay whole phone upfront that way you will be covered for the whole purchase price.

rockyrock
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Postby rockyrock » Wed Jun 19, 2013 1:36 am

Gamma wrote:I just switched to T Mobile and that was a question I had in mind. If you choose to finance with them and put 100 down and 20/mo for each phone, you would only be covered for the 100 bucks you put down. It would be best to pay whole phone upfront that way you will be covered for the whole purchase price.


That's a good point, to be honest I'm not sure how that works. More fine print I should read, being covered for $100 on a $850 phone is not quite sufficient.

I admit the 24 mos free finance is appealing but i'd rather get it out of the way up front. Plus in order to maximize points I have to buy directly through Apple...
Sapphire Reserve: travel & dining
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

Gamma
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Postby Gamma » Wed Jun 19, 2013 2:04 am

rockyrock wrote:That's a good point, to be honest I'm not sure how that works. More fine print I should read, being covered for $100 on a $850 phone is not quite sufficient.

I admit the 24 mos free finance is appealing but i'd rather get it out of the way up front. Plus in order to maximize points I have to buy directly through Apple...

I really did want to get the 24 mo free financing, but according to Amex when I called to question that, they said I would have to make full purchase price on card else whatever I put down to get the phone is what I would be covered on. Of course YMMV what they say. I bought 2 Galaxy s4 and some other phone for about 1450. I currently don't have the $$ to pay all so I will be doing a balance transfer later on. The BT fee will be worth the extended protection for me rather than pay T Mobile 11.99/mo for their protection service. Good luck with your choice.



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