Apple Pay + Discover: As High As 23% Cash Back
Attention: This option is valid until the end of 2015.
Till the end of 2015, you will earn extra 10% cash back by using Discover credit cards on in-store purchases made with Apple Pay, if you have any devices that support Apple Pay . Taking regular bonus offered into consideration, thats 11% and 11.5% bonus for Discover it and Discover it Miles cardholders. And you are enjoying even 22%-23% cash back if you enroll in Discovers limited sign-on bonus that allows double cash back . For example, you can get about $170 cash back with an iPhone 6s purchase. See more details in: Discover + Apple Pay = 22%, 23% or 30% Cash Back!
However, if you do not have iPhone 6/6s, you can also borrow one from friends.
Quickbooks Gopayment Good Accounting Integration
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Pay as you go: No monthly fee, 2.4% + 25¢ per tap/swipe/dip, 3.4% + 25¢ keyed-inMonthly plan: $20/mo, 1.6% + 25¢ per tap/swipe/dip, 3.2% + 25¢ keyed-in
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Card reader options:Swipe & chip reader: $19, first one free with subscriptionSwipe, chip & tap reader: $49
QuickBooks GoPayment was among the first players targeting small businesses with the option to accept payments any time, anywhere.
The credit card payment app can be used with or without a monthly subscription, and with or without an accounting plan.
On the free standalone pay-as-you-go plan, card reader payments cost 2.4% + 25¢ and keyed transactions cost 3.4% + 25¢. The monthly GoPayment subscription costs $20 per month which excludes accounting software, but then the transaction fees are only 1.6% + 25¢ per swipe, dip and tap, and 3.2% + 25¢ per keyed transaction.
GoPayments All-in-One card reader connects with iPhone to accept chip, tap and swipe cards.
PCI compliance can cost $9.95 per month on pay-as-you-go, but is included on the monthly plan. In general, QuickBooks offers different fee plans when signing up for GoPayment depending on which QuickBooks subscriptions youre on, so make sure you know what youre subscribing to before committing.
POS features include personalized digital receipts and up to 50 user accounts, which means all your employees can accept payments on the go.
Call The Credit Card Company
To officially cancel, call the number on the bank of your card and talk to someone from the credit card company or bank that issued that card. The customer service representative will most likely try to entice you with attractive offers to keep your card open. Stay strong, and remember your reasons for closing your account. ;
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Xiaomi Redmi 3s Prime
Much like the Note 4, the Redmi 3S Prime is one of the older Mi phones under 10,000 that is still relevant today. If you are someone who loves the feel of a smaller phone in your palm, the 3S Prime brings back the bygone days of petite phones. The overall feel and look of the phone feels sturdy and modern, and this model comes with a fingerprint scanner that some of the latest Mi phones under 10,000 are missing. The combination of the processor along with the 3GB RAM makes for a smooth performance and the large battery capacity gives you a full day of uninterrupted heavy usage. This older Mi smartphone under 10,000 can still give many of the newer models a run for their money!
Price: 8,999* on Flipkart
Release date: August 9, 2016
Pros:
- Qualcomm Snapdragon 430 processor, Android v.6.0
Customer Rating: 4.3 stars on Flipkart
American Express Business Gold Card
You can choose your business own cashback categories with the American Express Business Gold Card, based on where you spend the most money.
Bonus categories include gas, restaurants, shipping, airline-direct airfare purchases, select hardware/software/cloud purchases , advertising, and more. Cardholders can earn 4X Membership Rewards points for the first $150,000 spent in two select categories each year , and 1 point per $1 spent on other purchases.
The card does come with a $295 annual fee, but youll enjoy purchase benefits such as:
- 120 days of purchase protection against theft or damage. After January 1, 2020, any purchase you make will only receive 90 days of protection.
- Up to 1 additional year of extended warranty
The next time your business is planning an Apple Store purchase, consider the American Express Business Gold Card. Not only will your item be protected if its stolen or dropped in the first six months, but you can also choose to earn bonus rewards for your Apple purchases.
This is your card if you want to truly maximize your benefits when making a business-related Apple purchase.
Card Details
- Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months
- 4X Membership Rewards points for the first $150,000 spent in two select categories each year , and 1 point per $1 spent on other purchases
- Terms apply
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What If I’m Already On The Iphone Upgrade Program
You can’t transfer the payment of the iPhone on your iPhone Upgrade Program plan to the iPhone Payments plan. If you’re in the middle of your 24-month contract on the iPhone Upgrade Program, I recommend you finish off the program unless you’re willing to either pay off what you owe for the iPhone on the iPhone Upgrade Program in its entirety or carry two different installment plans at the same time . The latter would mean you’d have two phones.
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What Do I Need To Apply For The Iphone Payments Program
As mentioned above, you must be a U.S. resident over the age of 18 and you must have a valid U.S.-issued credit or debit card. Pre-paid cards are not accepted.
You’ll also need to make sure to temporarily unfreeze your credit report if you’ve frozen it.
When you apply, you’ll need to choose a carrier. If you already have a carrier account and want to add your new iPhone to the plan, you’ll need your carrier account information, including your account PIN if you’re with Verizon, so that Apple can confirm your eligibility.
If you don’t have it memorized, you should also have your social security number on hand for the credit approval process. You’ll be asked to provide some information about yourself, such as your address, phone number, and annual income.
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 can participate in 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.
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Manage Payment Methods That Family Members Use
When you set up Family Sharing and turn on purchase sharing, one adult in the family the family organizer controls a single shared payment method for everyone in the family group.
If you’re the family organizer, you can add multiple payment methods to your own Apple ID, but your family members can use only the first payment method in the list. If a family member can’t make a purchase, the family organizer can move a different payment method to the top of the list.
Hdfc Bank Credit Card Offers On Iphones
Offer 1: Avail a cashback of up to Rs.4,000 on your purchase of the iPhone SE with your HDFC Bank credit card.
Validity: Till stocks last
How to Avail: Visit any Apple store and purchase the new iPhone SE with your HDFC Bank Credit Cards and receive the cashback of Rs.4,000.
Terms and Conditions:
- The cashback offer is valid for transactions made using Brand EMI option powered by Pine Labs.
- The offer is available till stocks last at select Apple authorised reseller stores.
Offer 2: Avail a cashback of up to Rs.5,000 on your purchase of the iPhone 11 with your HDFC Bank credit card.
Validity: Till stocks last
How to Avail: Visit any Apple store and purchase the new iPhone 11 with your HDFC Bank credit cards and receive the cashback of Rs.5,000.
Terms and Conditions:
- The offer is available at select Apple authorised reseller stores until stocks last.
- The cashback offer is valid for transactions made using Brand EMI option powered by Pine Labs.
Offer 3: Avail a cashback of up to Rs.4,000 on your purchase of the iPhone XR with your HDFC Bank credit card.
Validity: Till stocks last
How to Avail: Visit any Apple store and purchase the new iPhone XR with your HDFC Bank credit cards and receive the cashback of Rs.4,000.
Terms and Conditions:
- The offer is available at select Apple authorised reseller stores until stocks last.
- The cashback offer is valid for transactions made using Brand EMI option powered by Pine Labs.
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Refurbished Iphone 8 Plus
The iPhone 8 Plus is a more expensive variant of the iPhone 8 and is the largest iPhone produced so far. It has a large display which is great if youre into gaming and streaming movies and videos on your phone. The refurbished iPhone 8 Plus even after 3 years is still a power packed device and continues to be popular even today. One of the best refurbished iPhones for consistent and quality performance despite age.
Heres why it must run to your wishlist:
Price: Rs. 23,000*No Cost EMI: Rs. 2262* for 12 months
Release date: 22 September, 2017
Pros:
The Ultimate Guide To Saving 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.
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What Is The Interest Rate
The interest rate on the Apple Card Monthly Installments plan is 0%. Keep in mind, however, that your Apple Card has its own interest rate. If you pay off the balance every month, you’ll never pay interest. If you carry a balance from one month to the next, you’ll have to pay whatever your Apple Card interest rate is.
It Can Raise Your Credit Utilization Ratio
Your credit utilization can be found by dividing the balance on your cards against the total credit limit on all your cards. For instance, let’s say you’re carrying a balance of $500 across all cards, and the total limit on all your cards is $5,000. Your credit utilization rate would be 10% . If you close a card with a $1,500 credit limit and $0 balance, your credit utilization rate would rise to 14% .;
The higher your credit utilization, the riskier you seem to creditors and lenders. That’s because it might be a warning signal that you’re in financial hot water or are having problems keeping up with your bills, so you’re resorting to plastic. So where should your credit utilization hover? The rule of thumb is to aim to keep it under 30%. Credit utilization makes up 30% of your credit score, so it’s important to keep your utilization low if you want to maintain a solid score. ;
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Using Apple Card With Apple Pay
Apple Card is designed to work with any other credit or debit card stored in the Wallet app for use with Apple Pay. You can set it as the default card and use it for in store purchases on iPhone and online purchases on Apple Watch, iPhone, iPad, and Mac.
What’s The Difference Between An Apple Card Family Co
When you invite someone into your Apple Card Family, you’ll be asked to select whether the person will be a co-owner or participant. They’re two very different types of accounts, each with its own purpose.;
Co-owner: A co-owner account has the same responsibilities and requirements as the main account holder. That means they’ll be equally accountable for paying the card balance and ensuring payments are made on time. A co-owner will build credit on their own based on the Apple Card. They will also be able to manage participants, request physical Apple Cards for participants under 18 and view all activity on the shared Apple Card account. This is the option you’ll select when combining two existing Apple Card accounts.;
Participant: A participant isn’t responsible for the account balance or making any payments. This option is designed for giving someone over the age of 13 an Apple Card that you manage and pay for. They’ll only have access to their own transaction history, not the entire account’s history. The account owner can set a spending limit for each participant. Participants who are age 18 or older can order their own physical Apple Card and opt in to building credit with their account.;
Both account types will get the benefit of earning Daily Apple Cash;and will have immediate access to the digital Apple Card on their iPhone, iPad, Mac and Apple Watch once they’ve accepted an invite.;
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How To Get Apple Card
There is no online application for Apple Card. To apply, open the Wallet app on your iPhone and then tap the “+” button in the upper right corner. Choose “Apple Card” and complete the form.;
The qualification process only takes a few moments, and you can start using the card with your approved credit limit immediately.;
Apple’s Iphone 11 Series Is Available For Pre
Apples iPhone 11 series is available for pre-booking in India with sales starting September 27. The iPhone 11, iPhone 11 Pro and iPhone 11 Pro Max will be available offline in authorised Apple retail stores like Imagine, and are also listed online on Flipkart, Amazon and Paytm Mall. One common bank offer available on the iPhone 11 series across retail channels is from HDFC Bank, which is offering Rs 6,000 discount or cashback on the iPhone 11 and Rs 7,000 discount or cashback on the iPhone 11 Pro variants.
But it is possible to get the iPhone 11 at Rs 39,000 for a select few with HDFC Bank credit or debit cards. We explain how this particular offer will work on the iPhone 11.
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It Changes The Length Of Your Credit History
Your length of credit history makes up 15% of your credit score, and it includes the age of your oldest card, your newest card and the average age of all your cards. A longer credit history can boost your score.;
Closing your oldest card could shorten your average and bump down your score. But the impact won’t happen right away.; Typically, a closed credit card in good standing will stay on your credit file for 10 years, so it could be a while until closing an older card account dings your score.;
The Apple Card’s Unique Features
In many ways, the Apple Card is a straightforward credit card, but it has some unique features that bear mentioning.;
The card is primarily designed to be used with your iPhone’s Wallet app, and you can pay for products with it using Apple Pay through your iPhone or Apple Watch.;
You’ll receive the best rewards if you use the Apple Card with Apple Pay, which include the following:
- As much as 3% back when making purchases with participating merchants.
- 3% back on all purchases made directly with Apple .
- 2% back on all other Apple Pay purchases.
If you use the physical titanium card rather than Apple Pay, you get 1% back.;
Rather than waiting 30 days for your rewards to be applied to your account, all rewards are applied daily to your Wallet’s Apple Cash account. You can use Apple Cash to make purchases, or to pay your Apple Card balance.;
Apple’s fee structure is also appealing: There are none.;
There is no annual fee for Apple Card, nor is there a late fee. On the Apple Card website, Apple says the card has “no fees. Not even hidden ones,” and that includes all the usual fees traditional credit cards tend to charge, like cash advance fees and international purchase fees.;
Because the Apple Card is so deeply integrated with the Wallet and Apple Pay, you get a lot of information about each purchase you can even tap on a purchase in your transaction history to see where the purchase was made on a map.;
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