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How to Pay for a Smart Thermostat Setup

How to · Home

How to Pay for a Smart Thermostat Setup

Upgrade your home HVAC with sensors and a smart hub while spreading the cost over fifteen months without interest.

Typical cost $300 before anything else
Across the 0% window $20.00/mo 15 months, no interest

How we got that: $300 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.

You stop fighting with the hallway thermostat once you have sensors in the rooms you actually live in. Installing the hub and a few wireless sensors usually takes less than an hour. The best time to buy is during the spring or fall when utility companies offer heavy rebates to lower grid demand before the summer heat or winter cold hits.

Check your local energy provider's website for specific model discounts before you buy. We want to avoid a single $300 hit to your bank account by using a steady payment plan that matches your monthly budget.

Remember that this 0% window is a hard deadline. If you still have a balance left after the 15 months, the standard interest rate will apply to the remaining amount.

The steps

  1. 01

    Find your utility rebate

    Search your power company's name and the word 'rebate' online. They often give $50 to $100 back on specific brands during the off-season. This can drop your out-of-pocket cost significantly.

  2. 02

    Check your wiring

    Pull your old thermostat off the wall and look for a C-wire. If you do not see one, you will need to buy a power-add-on kit. This adds about twenty-five dollars to your total bill.

  3. 03

    Use the intro window

    Put the equipment cost on your Discover it® Cash Back (Discover). This card offers 0% intro APR for 15 months on purchases and balance transfers, which lets you skip interest while you pay it off.

  4. 04

    Automate your payments

    Set up an autopay for $20 a month. This covers the $300 cost within the fifteen-month window. It keeps your budget predictable and ensures the balance is gone before the rate changes.

  5. 05

    Place your sensors

    Put the remote sensors in the bedroom or home office. These tell the system to keep running until those specific rooms are comfortable, rather than just cooling the hallway. Don't put them near drafty windows.

  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

Can I install this myself?

Will this save me money?

Do I need a pro for zoning?

What happens if I miss a payment?