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How to Buy High-Fidelity Headphones

How to · Tech

How to Buy High-Fidelity Headphones

Get top-tier sound without breaking your monthly budget by timing the market and using a smart payment plan.

VoAtlas editorial Updated · 3 min read
Typical cost $300 before anything else
Across the 0% window $16.67/mo 18 months, no interest

How we got that: $300 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.

A solid pair of noise-canceling headphones is a long-term investment that should last you several years if you pick the right model. Focus on comfort and sound quality to ensure you won't feel the need to upgrade again in six months.

Tech companies refresh their lineups on a predictable cycle. If you wait until the newest model hits the shelves, you can often pick up last year's version at a significant discount without losing out on features you actually need.

The 18-month window is a deadline, not a gift. If you still have a balance left over when the 18 months are up, you will start paying interest on whatever remains, which makes the headphones much more expensive.

The steps

  1. 01

    Track the release dates

    Check the manufacturer's history to see when they usually announce new models. Set a price alert on a site like CamelCamelCamel to get notified when the current version hits its lowest price.

  2. 02

    Verify your budget

    Even with a payment plan, you need to make sure the $300 cost fits your monthly cash flow. Calculate what else you have to pay for before committing to a new monthly bill.

  3. 03

    Use the Citi Simplicity® Credit Card

    If you want to break up the cost, this card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you pay roughly $16.67 a month to cover the $300 total.

  4. 04

    Set up autopay

    Since the intro window on purchases is 18 months, schedule an automatic payment for the exact amount required to clear the balance. This keeps you on track without you having to remember the date.

  5. 05

    Confirm your return window

    Once the headphones arrive, spend a few days testing them in different settings like your commute or a loud office. If they cause ear fatigue or the noise canceling isn't up to your standards, return them immediately.

  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

Is it better to buy refurbished?

Buying refurbished from the manufacturer is often a great way to save money. You usually get a warranty similar to a new pair for a much lower price.

Does 0% interest mean I don't pay extra?

As long as you pay off the full $300 before the 18 months are up, you won't pay any interest. It is a way to spread out the cost, not a discount on the price.

How long do these headphones usually last?

With careful use, quality noise-canceling headphones should last three to five years. The battery is usually the first thing to degrade, so treat them well.

What happens if I miss a payment?

Missing a payment can end your 0% offer early and lead to late fees. Always set up autopay to ensure you hit the minimum requirements every single month.