Barclays CC's - Mastercard Rewards vs Retail Visa (Apple)

[heathuhhhhwebbbb]

Which one is better?

I was thinking of applying in another 6 months for one of these.  Can the Retail Financing (Apple) card be used in other places?  I always PIF so the interest for me isn't an issue.  Or should I apply for the Rewards Mastercard?

Thoughts?

[trumpet-205]

The question you should be asking is whether you want to buy Apple's product (Visa) and finance it or 2X points on grocery/utility/gas (MasterCard).

[heathuhhhhwebbbb]

I was thinking of getting an iPhone through the Apple store and financing it.  But I guess in reality, I could get the Mastercard and buy the phone and earn points, right?

[trumpet-205]

If you are going to PIF go with the MasterCard.

[navigatethis12]

The Mastercard comes with 15 months of no interest so you could buy it with that and still float the purchase if you choose to do so. You also get $50 after first use. It's a terrible bonus, but since you were going for it anyway, it sweetens the deal.