The way to Maximize Shopping for the iPhone 17

The discharge of the brand new iPhone 17 lineup is simply across the nook, with pre-orders beginning on September 12, 2025.

The brand new iPhones are available 4 variants: the iPhone 17, iPhone Air, iPhone 17 Professional, and iPhone 17 Professional Max, with costs starting from $1,129–2,949 (all figures in CAD).

When you’re planning to get one, you’ve bought a possibility to earn some nice rewards through the use of the proper bank card. Plus, relying on which card you utilize, you might also be capable of get insurance coverage protection on your iPhone at no further value.

On this article, let’s check out how one can leverage your bank cards to maximise your rewards and insurance coverage advantages on your iPhone buy.

Shopping for an iPhone 17 Outright

Relatively than queuing outdoors an Apple Retailer, the simplest approach to purchase an iPhone is on-line. By shopping for on-line, you might also be capable of use a buying portal to earn further rewards on high of what you’ll earn along with your bank card.

Nevertheless, new iPhones bought throughout launch are sometimes excluded, so you’ll want to rigorously learn the phrases and situations on every buying portal:

On the time of writing, the WestJet Rewards eStore doesn’t point out something about iPhone 17 exclusions. That stated, at all times double-check the phrases on launch day for those who plan to buy by way of a portal.

When you don’t want the most recent iPhone and go for the iPhone 16 as an alternative, portals like Aeroplan eStore can nonetheless earn you bonus rewards, particularly throughout bonus occasions that go as excessive as 10x.

The rewards you’ll earn by means of the net buying portals are on high of what you’ll earn along with your bank card; due to this fact, you must also strategize which card you’ll use for the acquisition so as to maximize the rewards you get.

Because the iPhone is a comparatively massive buy, it may very well be fairly helpful in serving to you meet a big minimal spending requirement for a bank card welcome bonus.

When you’re available in the market for a brand new bank card, you will get a run down of the welcome bonuses you’ll be able to work on in our publish on the greatest bank card presents for the month.

You could possibly additionally strategize by selecting a card that allows you to earn the perfect rewards. Typically talking, electronics earn a card’s base-rate rewards (like most different retail classes); thus, you need to select a card that has an excellent baseline incomes price for basic purchases.

For instance, the TD® Aeroplan® Visa Infinite Privilege* Card earns 1.25 Aeroplan factors per greenback spent on retail purchases. Alternatively, think about the Enterprise Platinum Card from American Specific, which earns 1.25 Membership Rewards factors per greenback spent, or the RBC® Avion Visa Infinite Privilege†, which earns 1.25 Avion factors per greenback spent.

Shopping for an iPhone 17 as A part of a Cellphone Plan

Canadian carriers will all quickly provide iPhone plans in lockstep style. When it comes to presents for most of the people, they’ll attempt to match what every provider is doing; nevertheless, for those who’ve already been with a provider for a very long time, you would possibly qualify for a retention provide that you may leverage across the new iPhone.

One of the best ways to go about organising an excellent cellphone plan for the iPhone 17 is to ask your present supplier for the perfect deal they’ll present you, after which ask the competing suppliers what they’ll provide, citing what was provided by your present supplier.

An iPhone plan, like different cellphone plans, is structured such that the rebated value of the cellphone is damaged down into month-to-month installments, which you pay alongside the month-to-month service value.

Since your funds might be billed month-to-month, you received’t have a lump-sum cost to your bank card, so the acquisition received’t go far to fulfill a minimal spending requirement for a welcome bonus.

Nevertheless, since your telecom plan is charged as month-to-month recurring funds, there nonetheless are methods to repeatedly earn beneficial rewards.

A number of Canadian bank cards provide elevated incomes charges on recurring invoice funds, reminiscent of your cellphone invoice, so there are methods to show this month-to-month expense into some first rate rewards.

We’ve written a information to the greatest bank cards for recurring invoice funds, and you’ll test it out to seek out the most suitable choice for you. For this text, we’ll take a look at a pair playing cards from this listing that may be good decisions to make use of when shopping for an iPhone as a part of a cellphone plan.

One sturdy choice is the Scotia Momentum® Visa Infinite Card*, which earns 4% money again on all recurring invoice funds.

It usually comes with a welcome bonus of 10% money again as much as a specific amount, and importantly, it contains cellular gadget insurance coverage—good for shielding a dear new iPhone.

One other card value contemplating is the Rogers Pink World Elite® Mastercard®. This no-fee card earns 2% money again on all purchases, together with recurring invoice funds, for those who’re a Rogers, Fido, or Shaw buyer.

It additionally presents 50% extra worth when making use of rewards to Rogers, Fido, or Shaw purchases.

As a cardholder, you can too buy a brand new cellphone by means of the Equal Cost Plan at 0% curiosity, making it a sensible selection for those who’re already within the Rogers ecosystem.

Credit score Card Insurance coverage Advantages Relevant to a New iPhone

Utilizing the proper bank card to purchase your new iPhone not solely enables you to earn rewards and financial savings, however you may additionally get pleasure from free insurance coverage protection that may present some peace of thoughts.

There are three related insurance coverage advantages which will come along with your bank card: cellular gadget insurance coverage, buy safety,  and prolonged safety/guarantee.

Cellular Gadget Insurance coverage

That is probably the most related sort of protection for iPhones, because it protects towards unintended injury (suppose cracked screens or water injury) and mechanical breakdowns.

Ordinary insurance policies learn as follows:

If a cellular gadget is misplaced, stolen or suffers a mechanical breakdown or unintended injury, the insurer will reimburse you the lesser of its restore or substitute value, not exceeding the depreciated worth of your cellular gadget at date of loss, much less the deductible, to a most of $1,000.

Most different playing cards providing cellular gadget insurance coverage solely cowl as much as $1,000, however there are two standout playing cards that go over this restrict:

• Air France KLM World Elite Mastercard® (issued by Brim) – Provides as much as $1,500 in protection, probably the most beneficiant advantages in Canada. It even applies partial protection for those who solely pay a part of the cellphone’s value with the cardboard. When you already maintain this card, it’s the one to make use of.
• RBC® Avion Visa Infinite† – Additionally covers as much as $1,500 for cellular units. Whereas it doesn’t permit partial-pay safety, it’s backed by RBC’s assist community, which some might discover extra dependable than Brim’s customer support.

Buy Safety Insurance coverage

Typical bank card buy safety insurance coverage wording is as follows:

Buy safety protection mechanically, and with out registration, protects most new insured objects bought wherever on the earth for 90 days from the date of buy within the occasion of loss, theft, or injury in extra of different insurance coverage, supplied the total buy value is charged to the account.

If an insured merchandise is misplaced, stolen or broken, you may be reimbursed the lesser of the restore or substitute value, not exceeding the unique buy value charged to the account.

The element that must be emphasised from the above is that you have to cost all the lump-sum value of the cellphone to the cardboard as a way to obtain buy safety protection. Thus, this profit received’t apply for those who purchase the iPhone as a part of a cellphone plan because you’ll be breaking its value into month-to-month installments relatively than paying for it all of sudden.

That stated, there are playing cards that do present this protection even while you’ve solely paid a portion of the iPhone with the cardboard. One such card is the Air France KLM World Elite Mastercard® – although if the cellphone will get misplaced or stolen, you’ll solely be reimbursed for the portion paid for with the cardboard.

Buy safety insurance coverage is a function of most bank cards, even lower-tier playing cards; nevertheless, insurance policies differ by most legal responsibility restrict, so in selecting which card to make use of on your iPhone, be sure that to learn the small print of its insurance coverage coverage.

Prolonged Guarantee

Prolonged guarantee advantages normally learn as follows:

Prolonged guarantee protection offers the cardmember with double the interval of restore providers in any other case supplied by the unique producer’s guarantee, to a most of 1 further 12 months, on most insured objects bought wherever on the earth when the total buy value is charged to the account.

Prolonged guarantee advantages are restricted to the lesser of the restore value and the unique buy value charged to the account.

iPhones include a one-year restricted guarantee from Apple, and your card’s prolonged guarantee profit will double that.

Nevertheless, Apple’s restricted guarantee solely covers inherent defects with the product and never unintended injury, reminiscent of cracked screens. Due to this fact, you may also want prolonged guarantee safety, reminiscent of AppleCare+ or the same service provided by your cellular supplier.

Prolonged guarantee can nonetheless be helpful, however for true gadget safety, cellular gadget insurance coverage is much extra sensible.

Conclusion

Shopping for an iPhone 17 is a giant expense, however the proper bank card may also help you earn rewards and get helpful protections.

Whether or not you purchase outright or by means of a cellphone plan, you’ll be able to maximize your return with factors, money again, or insurance coverage advantages.

The secret’s to align your iPhone buy with a card technique that matches your targets, whether or not that’s hitting a welcome bonus, incomes elevated rewards, or making certain your gadget is protected.

Get pleasure from your iPhone 17!