Host your late summer block party without draining your bank account by breaking the cost into smaller, manageable chunks.
VoAtlas editorial
Updated
· 3 min read
Typical cost$1,200before anything else
Across the 0% window$80.00/mo15 months, no interest
How we got that:
$1,200 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.
Late summer is the best time for a block party, but feeding a whole street gets expensive fast. Getting the logistics sorted now means you aren't scrambling when the heat hits.
You can use the Discover it® Cash Back to cover the $1200 catering bill and spread that cost over time. The 0% intro APR for 15 months on purchases and balance transfers gives you a long runway to pay it back in pieces.
Remember that this 0% window is a deadline, not a gift. If you still have a balance after the 15 months, the card will start charging interest on whatever is left, which gets expensive quickly.
The steps
01
Lock in your caterer
Pick a date and book your caterer at least two months out. Prices jump if you wait until the last minute, and the best local spots book up fast for summer weekends.
02
Map out the menu
Ask your caterer for a bulk discount since you are ordering for the whole neighborhood. Keeping the menu simple with crowd-pleasers usually costs less than custom trays.
03
Use your intro window
Pay the $1200 invoice with your Discover it® Cash Back. By taking advantage of the 0% intro APR for 15 months on purchases and balance transfers, you can pay about $80.00 per month instead of one big hit.
04
Set a payment reminder
Set a monthly calendar alert for the day your bill is due. Treating this like a regular monthly bill keeps you on track to finish paying it off well before the 15 months are up.
05
Crowdsource the extras
Ask neighbors to bring their own lawn chairs or drinks. You handle the main catering bill, and they handle the logistics, which keeps your overall costs from creeping up.
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.
Missing a payment can end your 0% intro rate early and trigger late fees. Always make at least the minimum payment on time to keep the offer active.
Can I pay off the balance faster?
Yes, and you should. Paying more than $80.00 a month will just get you debt-free sooner and save you from worrying about it later.
Should I invite the whole neighborhood?
Only if your budget can handle it. It is better to have a smaller, well-fed group than a massive party where you run out of food or go over your spending limit.
Is the catering cost fixed?
Rarely. Prices can change based on the number of people and food choices. Get a written quote from your caterer before you put anything on your card.
