How to maximize the purchase of the new Apple iPhone 15: credit card or gift card?

With the release of the new iPhone 15, we give you tips on how to get the most out of your purchase.

The next iPhone 15 and its iPhone Plus, iPhone Pro and iPhone Pro Max versions will go on sale very soon.

The price of a new iPhone 15 starts at around C$1,129. The price can go up to $2,349 CAD, if you want the iPhone 15 Pro Max model, with the largest memory capacity.

Here are the prices for the various iPhone 15 models:

• iPhone 15: From CA$1,129
• iPhone 15 Plus: From CA$1,279
• iPhone 15 Pro: From CA$1,449
• iPhone 15 Pro Max: From CA$1,749

The new iPhone 15 is available today, September 22, 2023. How to get the most out of this important purchase?

Which credit card should you use to protect your precious device or to simply earn more rewards points?

To take advantage of the Mobile Device Insurance, your Apple device must be fully charged to your credit card account (or it can be financed through a plan where all monthly payments are charged to your credit card account). Otherwise, the insurance won’t be applicable in the event of an incident.

Also, make sure to keep the credit card used if there is a claim to be made. If your credit card account is closed, the insurance stops.

Many credit cards offer 2-year (from date of purchase), $1,000 Mobile Device Insurance:

• National Bank World Elite Mastercard
• TD^® Aeroplan^® Visa Infinite* Card
• American Express Cobalt^® Card

Do you want a higher level of coverage?

Please note that the RBC Avion Visa Infinite Card offers a 2-year,$1,500 Mobile Device Insurance policy.

To earn more points than usual, use our gift card trick. Take advantage of certain credit cards multiplying your points earned in grocery stores.

For example, with the American Express Cobalt^® Card, you earn 5X points on grocery purchases. You can buy $500 worth of Apple gift cards at Metro, Super C or many IGA stores, to pay for your new Apple Watch.

You will earn 2,500 Membership Rewards points (5 X $500). That’s a minimum reward value of $25.

If you bought your devices directly from Apple, you would have had only 500 points, as the American Express Cobalt^® Card offers 1X points on “other” purchases.

Please note that a combination of Apple gift card payments and the rest of the payment charged to a credit card will void the warranty as well as the insurance. For peace of mind, purchase Apple Care+. This can also be paid for with gift cards.

Would you like to buy your new iPhone 15 directly from Apple (or an electronics store such as Best Buy or Staples) and earn more points? We have a solution: the American Express Business Edge™ Card!

It’s one of the only credit cards in Canada to offer more points for this type of purchase: 3 points per dollar.

And right now, with this great welcome offer, you get 10 points per dollar on all purchases in the first 6 months (up to 10,000 points), including:

• Office supplies (Staples, etc.)
• Electronic devices (Apple, Dell, Microsoft, etc.)
• Transportation
• Gas
• purchases in restaurants and bars

So buying a new iPhone worth $1,500 could earn you 11,500 points! That’s a minimum reward value of $115. Not to mention that this purchase will help unlock the 45,000 point welcome bonus after $5,000 in purchases.

There is still time to take advantage of this welcome offer for the purchase of your Apple device:

Aeroplan eStore, Rakuten and Airmilesshops.ca give you the opportunity to earn rewards on your online purchases.

By going through these sites BEFORE you shop at Apple, you can earn cash back, Aeroplan points or AIR MILES miles.

However, make sure to check the exclusions. The newest models are often excluded, but sometimes you may still get the reward… It’s worth giving it a try.

Otherwise, you can always buy an iPhone from last year, like the iPhone 14 Pro Max. They will most likely be sold at a lower liquidation price and will not be excluded.

In order to get the biggest return on your Apple purchase, seize this opportunity to unlock a welcome bonus with a new credit card.

The purchase invoice for an iPhone 15 helps you with the expenses required to collect the bonus of two very good cards:

• CIBC Aventura^® Visa Infinite* Card
• CIBC Aventura^® Gold Visa* Card

Each offers 40,000 Aventura points. Their precious points and four complimentary visits to airport lounges mean you can enjoy excellent value travel!

An iPhone 15 that takes you on a journey… that’s an excellent deal.

Rogers Mastercard has a promotion to spread iPhone 15 payments over 48 months. This is valid only for Canada, except the province of Quebec.

When faced with a major expense like the new iPhone 15, there are several things to consider when choosing the best credit card for the purchase.

Of course, we want to collect as many points as possible, but we must also consider insurance and warranty.

It’s up to you to weigh the pros and cons of all the factors to determine what’s right for your situation. Buying an iPhone 15 with this great accumulation of points will allow you to get it for cheap, in the end!