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How to Buy a New iPad

How to · Tech

How to Buy a New iPad

Time your purchase around the September launch cycle and spread out the cost without paying interest.

VoAtlas editorial Updated · 3 min read
Typical cost $800 before anything else
Across the 0% window $53.33/mo 15 months, no interest

How we got that: $800 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.

You want a reliable tablet that handles daily notes, streaming, and heavy apps without slowing down in two years. Buying a machine that lasts starts with getting the right specs so you are not replacing it prematurely.

Apple usually refreshes the lineup in September, which means older models get marked down as stores clear out inventory. You can often grab last year's version with identical performance for significantly less cash if you watch the timing.

The 0% intro APR is a deadline, not free money. If you still carry a balance when those 15 months are up, interest kicks in on the remaining amount.

The steps

  1. 01

    Pick your model and storage

    Decide if you need the base version for reading and writing or a pro model for heavy drawing and video editing. Skip the lowest storage tier if you keep lots of offline files, because you cannot upgrade it later.

  2. 02

    Wait for September clearance

    Hold off until the autumn hardware events drop. Retailers discount the previous generation to make room for new inventory, giving you the best price-to-performance ratio.

  3. 03

    Use your 0% intro APR window

    If you want to stretch out payments on the Discover it® Cash Back, you get 0% intro APR for 15 months on purchases and balance transfers. For an $800 tablet, dividing that evenly means paying $53.33 per month to clear it before the window closes.

  4. 04

    Check refurbished options

    Look at certified refurbished stock directly from Apple or major authorized sellers. You get a real warranty and a lower price tag on hardware that functions like new.

  5. 05

    Buy the accessories separately

    Skip pricey brand-name cases and keyboards unless you need specific features. Third-party alternatives often cost a fraction of the price and work just as well for everyday protection.

  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 base iPad or the Air?

The base iPad handles web browsing, emails, and streaming easily. Get the Air if you need a faster processor for heavy games or want support for the second-generation pencil.

How much storage do I actually need?

Sixty-four gigabytes fills up fast if you download movies or large apps. Get the next tier up if you plan to keep the device for more than a couple of years.

Is refurbished safe to buy?

Yes, as long as it comes with a manufacturer warranty and a new battery. Avoid random online marketplaces with sketchy return policies.

What happens if I miss a monthly payment?

Missing a payment can trigger late fees and might cancel your promotional rate early. Set up autopay for at least the minimum so you stay on track.