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How to Buy Noise-Canceling Earbuds

How to · Tech

How to Buy Noise-Canceling Earbuds

Get top-tier audio without the upfront hit to your checking account by timing your purchase with retail cycles.

VoAtlas editorial Updated · 3 min read
Typical cost $220 before anything else
Across the 0% window $12.22/mo 18 months, no interest

How we got that: $220 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 earbuds that actually block out the world and last for years, not months. Buying quality hardware once saves you from having to replace cheap, broken plastic every season.

Wait for the tech giants to drop their newest models. When the hype dies down, last year’s version usually gets bundled with phone accessories at a discount. That is your window to buy.

Remember that the 18-month window is a deadline, not a gift. If you still have a balance when that time is up, you will start paying interest on whatever remains.

The steps

  1. 01

    Track the release cycle

    Look for the major manufacturers' annual event schedules. Retailers often clear out older earbud stock to make room for new gear. You get the same great sound for less.

  2. 02

    Wait for the bundle

    Don't buy until the buds are paired with a case, charging block, or extra tips. It adds value to the purchase and keeps your total cost lower than buying accessories separately later.

  3. 03

    Use the Citi Simplicity® Credit Card

    This card gives you 0% for 18 months on purchases and balance transfers from date of account opening. This lets you stretch that $220 bill into monthly payments of about $12.22 without paying interest.

  4. 04

    Set up autopay

    Schedule your $12.22 payment to hit your account right after your paycheck lands. Automating this keeps you from missing a month and keeps your focus on the music.

  5. 05

    Kill the balance early

    If you get a bonus or some extra cash, throw it at the earbuds. Clearing the debt before the 18 months are up is a win for your long-term budget.

  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

Are these earbuds really worth $220?

Good noise cancellation requires decent hardware. If you use them every day for commutes or work, the cost per use drops to pennies over time.

Should I buy the newest model?

Usually no. Most updates are minor, and you pay a premium for being first. Last year's model handles most tasks just as well for much less money.

What happens if I miss a payment?

You might lose the 0% offer and get hit with late fees. Always check your statement to see how the card issuer handles missed dates.

Is there a catch with 0% interest?

It is not free money. It is just a way to split your payment into smaller chunks. You still have to pay the full price of the earbuds, just over 18 months.