when you choose to
check out with
AppleCard
MonthlyInstallments.1
Low monthly payments. Interest‑free.
Get 3% DailyCash back. All upfront.
Trade in your current device. Payeven less permonth.2
ChooseAppleCard MonthlyInstallments whenyoucheckout.
How does AppleCard Monthly Installments work?
AppleCard
Monthly Installments
is an option when you
pay with AppleCard.
AppleCard lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it rightaway.3
To apply, open the Walletapp
on your iPhone andtap plus sign
Choose AppleCard Monthly Installments whenyoushop at Apple.
Whether you shop on apple.com, on the AppleStore app, or at an AppleStore, simply choose AppleCard Monthly Installments as your payment option when you make yourpurchase.
Easily view your installmentsinthe
Walletapp.
Your monthly installments live alongside your everyday AppleCard purchases in the Wallet app. So it’s easy to see your installments, remaining balance, and paymenthistory.
One balance to track andpay.
Your monthly installment is automatically added to the minimum payment due on your AppleCard— including any associated AppleCare+ coverage. If you share your card with a Co‑Owner,4 you’re both responsible for the monthly installment payment. And if you or your AppleCard Family members5 have purchased multiple products, you’ll still only have one balance topay.6
Get DailyCash
you can use rightaway.
Everyone in the family gets 3% DailyCash back7 on their own purchases of Apple products — all up front. And each user can choose where it gets deposited. Have it go to the Apple Cash card in the Wallet app, and it’s ready to use whenever and however they want.8 Or, AppleCard Owners and Co‑Owners can set up a high-yield savings account, and the Daily Cash will automatically be sent to Savings.9
Featured products.
iPhone
or
/mo.per month
for mo.months
before trade-in10
Mac
or
/mo.per month for mo.months*
AppleWatch
or
/mo.per month for mo.months*
AirPods
or
/mo.per month for mo.months*
Apple VisionPro
From $3499 or
$291.58/mo.per month for 12 mo.months*
See all eligible products
Get started
withAppleCard.
Apply in minutes to see if you are approved with no impact to your creditscore.**
Apply nowApply now
Apple Footer
- * Monthly pricing is available when you select AppleCard Monthly Installments (ACMI) as payment type at checkout at Apple, and is subject to credit approval and credit limit. Financing terms vary by product. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the AppleCard Customer Agreement for more information. ACMI is not available for purchases made online at special storefronts. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly paymentamount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See support.apple.com/kb/HT211204 for information about upcoming changes to ACMIfinancing.
- ** Accepting an AppleCard after your application is approved will result in a hard inquiry, which may impact your creditscore.
- AppleCard 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 products purchased at AppleStore locations, apple.com, the AppleStore app, or by calling 1‑800‑MY‑APPLE, and is subject to credit approval and credit limit. See support.apple.com/kb/HT211204 for more information about eligible products. APR ranges may vary based on when you accepted an AppleCard. Cardholders who accept an AppleCard on and/or after February 1, 2024: Variable APRs for AppleCard, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. 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 AppleCard (instead of using ACMI), that purchase is subject to the AppleCard variable APR, not 0% APR. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. When you buy an iPhone with ACMI, 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 support.apple.com/kb/HT211204 for information about upcoming changes to ACMI financing. See the AppleCard Customer Agreement for more information about ACMIfinancing.
- Trade-in values will vary based on the condition, year, and configuration of your eligible trade-in device. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied toward qualifying new device purchase, or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In‑store trade‑in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse or limit quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.
- Subject to credit approval.
- Each Co‑Owner is individually liable for all balances on the co-owned AppleCard including amounts due on your Co‑Owner’s account before the accounts are merged. Each Co‑Owner will be reported to credit bureaus as an Owner on the account. In addition, Co‑Owners will have full visibility into all account activity and each Co‑Owner is responsible for the other Co‑Owner’s instructions or requests. Co‑ownership involves risk, including payment history and other information about your AppleCard, including negative items like missed payments. Addition of new Co‑Owner or merging existing accounts is subject to credit approval and general eligibility requirements. ForAppleCard eligibility requirements, see https://support.apple.com/en-us/HT209218. Either Co‑Owner can close the account at any time which may negatively impact your credit and you will still be responsible for paying all balances on the account. For details on account sharing options including some of the risks and benefits, see https://support.apple.com/en-us/HT212020.
- AppleCardFamily Participants and Co‑Owners do not need to have a familial relationship, but must be part of the same AppleFamilySharinggroup.
- AppleCard minimum payments are due at the end of themonth.
- An AppleCash card is required. Participants under 18 on AppleCardFamily accounts must have the family organizer of their AppleCash Family set up their own AppleCash card. If you do not have an AppleCash account, DailyCash can be applied as a credit on account owner’s statement balance by contacting Goldman Sachs Bank USA. The AppleCash card is issued by Green Dot Bank, MemberFDIC.
- You can choose to direct DailyCash to a Savings account or to an AppleCash card. If you do not have either set up to receive your DailyCash, it can be applied as statement credit. AppleCard and Savings accounts are issued or provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. The AppleCash card is issued by Green Dot Bank, Member FDIC. DailyCash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. DailyCash is subject to exclusions, and additional details apply. See the AppleCard Customer Agreement for moreinformation.
- To access Savings, AppleCard Owners and Co‑Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. AppleCard Owners and Co‑Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, AppleCard Owners and Co‑Owners are affirmatively electing to have all future DailyCash automatically deposited into their respective Savings account. DailyCash may not be divided between AppleCash Card and Savings accounts. Owners and Co‑Owners may individually change where their DailyCash is deposited at any time. DailyCash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. DailyCash is subject to exclusions, and additional details apply. See the AppleCard Customer Agreement for more information. Savings accounts are not available in American Samoa, Guam, Northern Mariana Islands, or US Minor Outlying Islands. To set up Savings, you must add AppleCard to Wallet on an iPhone or iPad that supports and has the latest version of iOS oriPadOS.
- Available to qualified customers and requires 24‑month installment loan when you select Citizens One or AppleCard Monthly Installments (ACMI) as payment type at checkout at Apple. 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. Subject to credit approval and credit limit. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. Additional AppleCard Monthly Installments terms are in the AppleCard CustomerAgreement. Additional iPhone Payments terms are here. ACMI is not available for purchases made online at special storefronts. 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 support.apple.com/kb/HT211204 for information about upcoming changes to ACMI financing.
- To access and use all AppleCard features and products available only to AppleCard users, you must add AppleCard to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. AppleCard is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake CityBranch.
- If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about AppleCard.
- Software is subject to change.
- Learn more about how AppleCard applications are evaluated at support.apple.com/kb/HT209218.
More ways to shop: Find an Apple Store or other retailer near you. Or call 1-800-MY-APPLE.
United States
Copyright ©2024 Apple Inc. All rights reserved.
- Privacy Policy
- Terms of Use
- Sales and Refunds
- Legal
- Site Map
