^◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible Apple products purchased at Apple Store locations, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See  for more information about eligible products. APR ranges may vary based on when you accepted an Apple Card. Cardholders who accept an Apple Card on and/or after August 10, 2023: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of August 10, 2023. Existing cardholders: See your Customer Agreement for applicable rates and fee. If you buy an ACMI-eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. You’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. ACMI is not available for purchases made online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government, and Veterans and Military Purchase Programs, or on refurbished devices. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See  for information about upcoming changes to ACMI financing. See the for more information about ACMI financing.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.

¹ Testing conducted by Apple in August 2017 using preproduction iPhone X, iPhone 8, and iPhone 8 Plus units and software, and in August 2018 using preproduction iPhone XS, iPhone XS Max, and iPhone XR units and software, with accessory Apple USB-C Power Adapters (18W Model A1720, 29W Model A1540, 30W Model A1882, 61W Model A1718, 87W Model A1719). Testing conducted by Apple in August 2019 using preproduction iPhone 11, iPhone 11 Pro, and iPhone 11 Pro Max units and software and accessory Apple USB-C Power Adapters (18W Model A1720, 29W Model A1540, 30W Model A1882, 61W Model A1947, and 87W Model A1719). Testing conducted by Apple in February 2020 using preproduction iPhone SE (2nd generation) units and software and accessory Apple USB-C Power Adapters (18W Model A1720 and 30W Model A1882). Testing conducted by Apple in September 2020 using preproduction iPhone 12, iPhone 12 mini, iPhone 12 Pro, and iPhone 12 Pro Max units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Fast-charge testing conducted with drained iPhone units. Charge time varies with environmental factors; actual results will vary. Testing conducted by Apple in August 2021 using preproduction iPhone 13 mini, iPhone 13, iPhone 13 Pro, and iPhone 13 Pro Max units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Testing conducted by Apple in February 2022 using preproduction iPhone SE (3rd generation) units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Testing conducted by Apple in August 2022 using preproduction iPhone 14, iPhone 14 Plus, iPhone 14 Pro, and iPhone 14 Pro Max units and software and accessory Apple USB-C Power Adapter (20W Model A2305). Fast-charge testing conducted with drained iPhone units. Charge time varies with settings and environmental factors; actual results will vary.