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How to Buy a VR Headset Bundle

How to · Tech

How to Buy a VR Headset Bundle

Lock in your tech for the next few years without draining your bank account all at once.

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.

You want a headset that will stay relevant for at least three years, so aim for bundles that include essential controllers and a robust library of games. Buying during Cyber Monday is smart, but don't just chase the newest model; last year’s version often performs just as well once the software updates kick in.

We look for bundles that provide the gear you need to start immediately. This keeps you from buying extra parts in a month, which is where the real costs hide.

The 0% interest offer is a deadline, not free money. If you have any balance left after the 18 months are up, the bank will start charging interest on whatever you still owe.

The steps

  1. 01

    Set your budget

    Stick to your $600 limit. Don't let fancy accessories or extra cables inflate the price. If it costs more, you are paying for features you probably won't use yet.

  2. 02

    Check the specs

    Compare the refresh rate and resolution of older models against the new one. If the difference is minor, buy the older bundle to save money on the hardware itself.

  3. 03

    Use the Citi Simplicity® Credit Card

    The Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This gives you 18 months to pay off the $600 without extra interest charges.

  4. 04

    Automate your payments

    Divide your $600 by 18 to get a monthly payment of $33.33. Set an automatic transfer from your checking account so you never miss a month.

  5. 05

    Verify the warranty

    Check that your bundle includes a standard manufacturer warranty. If the seller offers a third-party protection plan, skip it; they are almost never worth the cost.

  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 wait for a newer model?

Usually no. VR hardware moves slowly, and a bundle from last year will play almost every game on the market today.

Is the $33.33 payment mandatory?

That is just the amount you need to pay to clear the debt by the end of the 18 months. You can pay more whenever you have the extra cash.

What happens if I miss a payment?

You might lose your 0% rate and get hit with penalty fees. Always set your payments to autopay.

Are the bundled games worth it?

Only if they are titles you actually want. Don't pay extra for a bundle just because it comes with games you will never play.