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How to Budget for a Kitchen Quartz Countertop

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How to Budget for a Kitchen Quartz Countertop

Upgrade your kitchen by timing the work right and spreading the cost interest-free.

VoAtlas editorial Updated · 3 min read
Typical cost $3,200 before anything else
Across the 0% window $213.33/mo 15 months, no interest

How we got that: $3,200 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 new quartz countertop changes the entire feel of your kitchen. You get a durable, low-maintenance surface that makes prep work easier and cleans up in seconds.

Aim for January to get this done. Fabricators are often looking for work after the holidays, which can lead to better pricing or faster turnaround times. Plan for the actual install to take only a day or two once the stone is cut.

Keep in mind that the 0% intro APR for 15 months is a deadline, not a gift. If you still have a balance when the 15 months are up, the bank will start charging interest on the remaining amount.

The steps

  1. 01

    Gather three quotes

    Call at least three local fabricators in early January. Ask for an all-in price that includes removal of the old top, the new slab, and the install. Don't settle for the first number you hear.

  2. 02

    Use the right financing

    If you use the Discover it® Cash Back, you get 0% intro APR for 15 months on purchases. This lets you pay for the stone over time without interest charges adding up.

  3. 03

    Set up an auto-pay

    Divide your total cost by 15. That comes out to $213.33 per month for your $3200 project. Set an automatic payment for this exact amount so you never miss a month.

  4. 04

    Prep the space

    Clear out your cabinets and disconnect the sink plumbing before the installers arrive. This prevents last-minute delays and keeps the crew moving quickly.

  5. 05

    Inspect the seams

    Check the seams and edges before the crew leaves. Once they sign off and head out, it is much harder to get them back for minor touch-ups or adjustments.

  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

Why is January better than other months?

Home improvement work slows down significantly after the holidays. Fabricators are more likely to have open slots in their schedule and may be more willing to negotiate on price to keep their teams busy.

Is quartz really better than granite?

Quartz is engineered stone, meaning it is non-porous and does not need to be sealed. It is much harder to stain or scratch than natural granite, which is why it is popular for busy kitchens.

What if I can't pay the full $3200 in 15 months?

If you cannot finish paying it off by the end of the intro window, you will owe interest on the remaining balance. Try to pay a little extra each month if you can to avoid this.

Do I need to be home for the install?

Yes, you should be there to show them where to work and to sign off on the final placement. It usually takes one full day for a standard kitchen.