Methods 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 in 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).

For those who’re planning to get one, you’ve obtained a chance to earn some nice rewards through the use of the correct bank card. Plus, relying on which card you utilize, you may additionally be capable of get insurance coverage protection in your iPhone at no extra price.

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

Shopping for an iPhone 17 Outright

Somewhat than queuing outdoors an Apple Retailer, the best manner to purchase an iPhone is on-line. By shopping for on-line, you may additionally be capable of use a procuring portal to earn extra rewards on high of what you’ll earn together with your bank card.

Nevertheless, new iPhones bought throughout launch are sometimes excluded, so make sure you fastidiously learn the phrases and circumstances on every procuring portal:

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

For those who don’t want the most recent iPhone and go for the iPhone 16 as a substitute, 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 way of the net procuring portals are on high of what you’ll earn together with your bank card; due to this fact, you also needs to strategize which card you’ll use for the acquisition in an effort to maximize the rewards you get.

For the reason that 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.

For those who’re out there 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 provides for the month.

You would additionally strategize by selecting a card that permits you to earn the very best rewards. Typically talking, electronics earn a card’s base-rate rewards (like most different retail classes); thus, you must select a card that has a very good baseline incomes price for common 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 Categorical, 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 vogue. When it comes to provides for most people, they’ll attempt to match what every provider is doing; nevertheless, should you’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 a very good cellphone plan for the iPhone 17 is to ask your present supplier for the very best deal they will present you, after which ask the competing suppliers what they will provide, citing what was provided by your present supplier.

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

Since your funds can 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 worthwhile rewards.

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

We’ve written a information to the greatest bank cards for recurring invoice funds, and you may test it out to seek out the best 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 cell system insurance coverage—good for shielding an expensive new iPhone.

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

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

As a cardholder, you can even buy a brand new cellphone by way of the Equal Cost Plan at 0% curiosity, making it a sensible alternative should you’re already within the Rogers ecosystem.

Credit score Card Insurance coverage Advantages Relevant to a New iPhone

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

There are three related insurance coverage advantages which will come together with your bank card: cell system insurance coverage, buy safety,  and prolonged safety/guarantee.

Cellular Machine Insurance coverage

That is essentially the most related sort of protection for iPhones, because it protects in opposition to unintentional injury (assume cracked screens or water injury) and mechanical breakdowns.

Standard insurance policies learn as follows:

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

Most different playing cards providing cell system 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) – Gives as much as $1,500 in protection, one of the beneficiant advantages in Canada. It even applies partial protection should you solely pay a part of the cellphone’s price with the cardboard. For those who already maintain this card, it’s the one to make use of.
• RBC® Avion Visa Infinite† – Additionally covers as much as $1,500 for cell units. Whereas it doesn’t enable partial-pay safety, it’s backed by RBC’s help community, which some could 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 robotically, and with out registration, protects most new insured gadgets bought anyplace on this planet 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 price, not exceeding the unique buy value charged to the account.

The element that must be emphasised from the above is that it’s essential to cost your complete lump-sum price of the cellphone to the cardboard as a way to obtain buy safety protection. Thus, this profit received’t apply should you purchase the iPhone as a part of a cellphone plan because you’ll be breaking its price into month-to-month installments slightly than paying for it suddenly.

That stated, there are playing cards that do present this protection even whenever 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 range by most legal responsibility restrict, so in selecting which card to make use of in your iPhone, be certain 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 companies in any other case supplied by the unique producer’s guarantee, to a most of 1 extra 12 months, on most insured gadgets bought anyplace on this planet when the total buy value is charged to the account.

Prolonged guarantee advantages are restricted to the lesser of the restore price 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 unintentional injury, akin to cracked screens. Due to this fact, you may also want prolonged guarantee safety, akin to AppleCare+ or an analogous service provided by your cell supplier.

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

Conclusion

Shopping for an iPhone 17 is an enormous expense, however the correct bank card may help you earn rewards and get helpful protections.

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

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

Take pleasure in your iPhone 17!