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How to Buy a Vinyl Starter Collection

How to · Tech

How to Buy a Vinyl Starter Collection

Build your record setup once with quality gear so you don't end up replacing cheap parts in a year.

VoAtlas editorial Updated · 3 min read
Typical cost $400 before anything else
Across the 0% window $22.22/mo 18 months, no interest

How we got that: $400 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.

You want a system that lasts, not a pile of plastic that wears out your records. Investing in a decent turntable and speakers now keeps you from needing to upgrade your entire setup after only a few months of listening.

Wait for Record Store Day sales to find hardware deals. If you aren't chasing the newest release, look for last year's floor models or open-box gear, which often function just as well for a fraction of the price.

Remember that 0% interest is not free money, it is just a deadline. If you have a balance left when the 18 months are up, the bank will start charging interest on whatever remains.

The steps

  1. 01

    Set your budget

    Aim for about $400 for a solid entry-level turntable and a pair of powered speakers. This price point avoids the cheap players that can actually damage your vinyl over time.

  2. 02

    Use the right card

    If you decide to spread out the cost, the Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This gives you an 18-month window to pay off the $400, which comes out to roughly $22.22 per month.

  3. 03

    Hit the events

    Record Store Day is perfect for finding discounts on hardware bundled with vinyl. Check local shops early in the day as these deals move fast.

  4. 04

    Check the open-box aisle

    Most retailers discount gear that was used for store displays. These units usually have full warranties and are essentially new for a lower price.

  5. 05

    Automate the payments

    Divide your total by the months you have left in your intro window. Set an automatic payment for that amount so you don't have to think about it.

  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

Should I buy an all-in-one suitcase player?

Avoid these if you can. They often have poor tracking force that will scratch your records and sound thin compared to a real turntable.

Is buying used gear better?

Used gear is great if you know how to inspect a stylus and tone arm. If you are new to this, buying new gear with a warranty is much safer.

What happens if I miss a payment?

Missing a payment can lead to late fees and might cause the bank to end your 0% offer early. Always set up autopay to keep things simple.

Do I need a separate amplifier?

Not if you buy powered speakers, which have the amp built inside. It saves space and money for a beginner setup.