Why am I being charged for a gift card?

I bought a Mac book with the student discount that included a $150 gift card. The gift card shows up as an installment payment of $12.50 per month.

MacBook Air 13″, macOS 10.14

Posted on Aug 9, 2023 9:56 AM

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Posted on Jul 1, 2024 7:53 PM

I got a MacBook Pro for 2,299 under educational savings (Gift card offered - 150).

I chose the 1 year monthly payment plan and I bought it in a tax free state.

So, it asked me to pay 191.58/mo (179.08 + 12.50 - confusing to customers but necessary for Apple's accounting).

At 191.58/mo, I would end up paying the full 2,299. HOWEVER - I now have a gift card worth $150 that I can spend on other apple products.

So, we do get the 150 gift card but it's a bit tricky to understand.

29 replies

Jul 14, 2024 10:08 AM in response to Ro29

So, get a free gift card, exactly what the website and promotional offers say. You also get your education discount. That isn’t enough? What did you expect?


If I buy an iPad Pro online (least expensive) I pay $899 plus sales tax, plus receive a $100 gift card. The $899 price already reflects the educational discount plus I get another $100 Apple Gift Card. Total savings of $200.




I’m not sure where the confusion is?

Sep 5, 2024 6:55 PM in response to Jeff Donald

Jeff Donald, I came here looking answers to the whole gift card charge and I’m a bit more clear now. Maybe this is a stretch, but if for some reason I return my laptop (which won’t happen), then Apple can revolt the gift card also, and they’ll be whole again — as if they had never sold the computer to me. Either way, when the laptop is all paid off, then I would have the full value of the gift card in the end. Or, I could be very wrong in this line of thinking. 😏

Aug 11, 2024 10:31 AM in response to maryann l

maryann l wrote:

What is the point of the gift card if all you want is the laptop and Apple Care for it? The ed store is forcing you to buy a gift card in the same amount as the alleged savings. Or, put another way: why not apply this gift card immediately to the purchase of the Apple Care plan? That, at least, would feel like a saving.

It's sleazy, IMO.

Did you review what you can use the Apple Account balance for after redeeming the Gift card? You would not be able to use it for the initial purchase of AppleCare, but could continue coverage for an additional 1 - 2 years depending on the Mac and it would not cost you anything.


  • For some recurring charges, like AppleCare+, you can't start your subscription with Apple Account balance. But as long as you keep another valid payment method on file and your Apple Account balance would cover an entire charge, your recurring charge will pull from your Apple Account balance.*

What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

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Why am I being charged for a gift card?

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