0% for 15 billing cycles on purchases, and to… Bank of America® Customized Cash Rewards Credit Card for Students Calculators How we make money
VOATLAS
How to Pay for a Cedar Split-Rail Fence

How to · Home

How to Pay for a Cedar Split-Rail Fence

Lock in late fall rates for your fence project and spread the cost over fifteen months without paying interest.

VoAtlas editorial Updated · 3 min read
Typical cost $2,800 before anything else
Across the 0% window $186.67/mo 15 months, no interest

How we got that: $2,800 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.

Late fall is the sweet spot for booking fence contractors. The summer rush has cooled off, crews are looking to fill gaps before the ground freezes, and you can usually negotiate a better rate on labor. Once the cedar split-rail goes up, your backyard instantly feels more private and defined, and the whole installation usually takes just a couple of days.

Before you sign anything, get at least three quotes from local pros. Prices for a standard setup hover around $2800, but quotes can swing wildly depending on how many gates you need and who is digging the post holes.

Remember that the 0% intro APR for 15 months on purchases and balance transfers is a hard deadline, not free money. If you still have a balance left when those 15 months are up, interest will be charged on the remaining amount from the original purchase date at the standard rate.

The steps

  1. 01

    Get three separate quotes

    Call local fence companies and get written estimates for the exact same linear footage. Make sure they include hauling away old dirt and setting the posts in concrete so you do not get hit with surprise fees on day one.

  2. 02

    Check the property lines

    Pull your plat map or hire a surveyor before the crew shows up. Putting a fence on your neighbor's side of the line is an expensive mistake that means tearing it down and starting over.

  3. 03

    Time the install

    Book the work for late fall right before the ground freezes solid. Contractors are more flexible on scheduling now, and you will have your yard back in shape before winter sets in.

  4. 04

    Use your card terms

    You can use the Discover it® Cash Back card and its 0% intro APR for 15 months on purchases and balance transfers to spread out the payments. Dividing $2800 across that window means paying about $186.67 per month to clear it before interest kicks in.

  5. 05

    Set up automatic payments

    Log into your card account and set up a recurring monthly transfer of at least $186.67. Automating it ensures you never miss a payment and the fence is fully paid off on time.

  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

How long does a cedar split-rail fence take to install?

Most residential jobs take between two and three days depending on the size of your yard. Contractors usually spend the first day setting posts in concrete and the second day hanging the rails.

Do I need a permit for a split-rail fence?

It depends on your local municipality and how tall the fence is. Always check with your city or county building department before work starts to avoid stop-work orders or fines.

Should I stain or treat cedar rails?

Cedar naturally resists rot and insects very well on its own. You can leave it to weather into a nice silvery gray, or apply a clear sealer if you want to keep the warm wood tone longer.

What happens if I don't pay off the $2800 in 15 months?

Any remaining balance left on the card when the 15-month window ends will start accruing interest at the standard variable purchase APR. Make sure your monthly budget covers the full amount before time runs out.