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How to Pay for a Virtual Reality Headset

How to · Tech

How to Pay for a Virtual Reality Headset

Get your gaming setup for $1000 without draining your savings by timing the market and using a smart payment plan.

VoAtlas editorial Updated · 3 min read
Typical cost $1,000 before anything else
Across the 0% window $66.67/mo 15 months, no interest

How we got that: $1,000 spread evenly across the 15-month introductory window on the Discover it® Cash Back. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A high-end virtual reality headset is a serious investment that should last you at least three to four years before you feel the need to upgrade. Buy the best version you can afford now so you don't find yourself shopping for a replacement in eighteen months.

Tech manufacturers usually drop new hardware in the fall, which is exactly when you should strike. Last year's model often becomes the better value during November sales because it hits a price floor while still offering top-tier performance for most users.

Remember that the 0% intro APR is a deadline, not a gift. If you still have a balance after the 15 months are up, the bank will start charging interest on whatever remains, which can get expensive fast.

The steps

  1. 01

    Track the price

    Use a price tracking tool to watch the headset you want through October and November. You want to see the historical low price so you know you are actually getting a deal when the sales start.

  2. 02

    Time the purchase

    Wait for the major November sales events to pull the trigger. Buying during these windows can save you enough to pay for extra accessories like head straps or long-lasting batteries.

  3. 03

    Use the card

    Use the Discover it® Cash Back card to leverage the 0% intro APR for 15 months on purchases and balance transfers. This gives you a 15-month window to pay off the $1000 balance without paying any interest charges.

  4. 04

    Automate the payment

    Divide the total cost by the 15-month window to get your monthly target. Set up an automatic payment for $66.67 to ensure the balance is cleared before the promotional period expires.

  5. 05

    Resist the accessories

    It is easy to add $300 worth of games and controllers to your cart at checkout. Stick to the headset first and buy the extras later once you have cleared the initial balance.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Discover it® Cash Back carries the date a person verified it against Discover and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Discover it® Cash Back terms →

Common questions

Should I buy the newest headset?

Only if it has a feature you absolutely need for your work or play. Otherwise, last year's model is usually just as good and much cheaper.

What happens if I miss a payment?

You might lose your promotional interest rate and face late fees. Keep your payments on time to avoid extra costs.

Is a refurbished headset a good idea?

It can save you a few hundred dollars. Just make sure it comes with a solid return policy or warranty so you aren't stuck with a broken device.

Do I need a high-end PC for the headset?

Some headsets run on their own, while others need a powerful computer to work. Check the requirements before you buy to avoid a surprise bill later.