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heathuhhhhwebbbb
Posts: 153
Registered: ‎10-18-2012

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

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‎11-09-2012 08:55 AM

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?

Chase Freedom, Capital One Plat., Capital One Cash Rewards, Barclays Mastercard, Davids Bridal, Jared, GE Luxury, Wells Fargo Plat.

11/10/2012: TU FICO 683, EQ FICO 616, EX PLUS 692. No apps until May 2013!
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trumpet-205
Posts: 1,915
Registered: ‎11-11-2010

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

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‎11-09-2012 08:57 AM

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).

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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heathuhhhhwebbbb
Posts: 153
Registered: ‎10-18-2012

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

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‎11-09-2012 09:00 AM

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?

Chase Freedom, Capital One Plat., Capital One Cash Rewards, Barclays Mastercard, Davids Bridal, Jared, GE Luxury, Wells Fargo Plat.

11/10/2012: TU FICO 683, EQ FICO 616, EX PLUS 692. No apps until May 2013!
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trumpet-205
Posts: 1,915
Registered: ‎11-11-2010

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

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‎11-09-2012 09:05 AM

If you are going to PIF go with the MasterCard.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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navigatethis12
Posts: 1,238
Registered: ‎01-24-2012

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

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‎11-09-2012 09:07 AM

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.

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