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If you have credit card points through Chase, you can use chase points to buy apple products with a favorable exchange rate. Like $1000 cash back equivalent would net you $1250 when you use it on Apple iPhone
Thanks mate...
Employee discount
Many companies have portals for employees that offer discounts on a wide range of products. At my company, it is called Perks at Work. They have a 2% discount on Apple products.
Another option is the Apple Education portal if you have a child in school or college. Some nice discounts on laptops and iPads but I don’t think phones.
Finally, if you have an Apple credit card you can get 3% back and free financing over 24 months.