0% for 18 months on purchases and balance tra… Citi Simplicity® Credit Card Calculators How we make money
VOATLAS
How to Budget for a Gas Fire Table

How to · Home

How to Budget for a Gas Fire Table

Upgrade your backyard for $33 a month by timing the market and using a smart payment window.

VoAtlas editorial Updated · 3 min read
Typical cost $600 before anything else
Across the 0% window $33.33/mo 18 months, no interest

How we got that: $600 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A gas fire table turns a chilly patio into a spot you actually use all year. Late summer is the best time to buy because stores need to clear floor space for fall inventory, meaning you can often snag a floor model for a discount.

You should expect to spend around $600 for a quality unit. Get at least three quotes from local fireplace shops or hardware stores to see who is cutting prices the deepest before the season turns.

That 18-month window is a deadline, not a gift. If you still have a balance once the time is up, the bank will start charging interest on whatever remains, which can get expensive quickly.

The steps

  1. 01

    Track the prices

    Start watching prices in August. Many retailers drop their outdoor furniture costs as soon as the back-to-school season hits. Check at least three different stores to compare shipping fees and setup costs.

  2. 02

    Verify your gas type

    Decide if you want a propane tank hidden inside the table or a natural gas line piped in from your house. Propane is easier to install, while natural gas saves you from refilling tanks but requires a plumber to hook it up.

  3. 03

    Use the right card

    If you need to spread the cost, the Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you pay roughly $33.33 per month without paying interest during that 18-month window.

  4. 04

    Clear your space

    Measure your patio before buying. Ensure you have enough clearance from walls and low-hanging branches for safety. A good rule of thumb is at least three feet of space on all sides of the fire.

  5. 05

    Schedule the delivery

    Fire tables are heavy and often come in awkward boxes. If you can, ask the store to deliver it directly to your patio rather than leaving it at your front door, as the setup can be a two-person job.

  6. 06

    Check the card terms before you commit

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

    See Citi Simplicity® Credit Card terms →

Common questions

Do I need a professional to install a gas fire table?

If it is a propane unit, you can likely do it yourself by connecting the tank. If you are hooking it up to a natural gas line, you absolutely need a licensed professional to ensure there are no leaks.

Is a gas fire table cheaper than a wood one?

It depends. Gas tables cost more upfront but are cleaner and easier to start. Wood fire pits are cheaper to buy but require constant cleanup and fuel storage.

Can I leave the fire table outside in winter?

Yes, but you need a heavy-duty, waterproof cover. Moisture can damage the burner and the finish, so keep it protected when you are not using it.

What if I miss a monthly payment?

Check your card agreement, but missing a payment often cancels your 0% offer immediately. Always set up an auto-pay for at least the minimum amount so you do not accidentally lose your promotional rate.