Apple Card Monthly Installments

Pay for your new iPhone over time, interest-free with Apple Card. Simply choose Apple Card Monthly Installments as your payment option at checkout when you make your purchase and connect your iPhone to AT&T, Boost Mobile, T-Mobile, or Verizon. You’ll enjoy 3% Daily Cash back — all up front. Terms apply.

3% Daily Cash back on everything you buy from Apple.

Apple Card is everything a credit card should be. It helps you stay on top of your spending. Encourages you to pay less interest. Gives you Daily Cash back on every purchase. And eliminates fees.  footnote  +

Choose to check out with Apple Card Monthly Installments (opens in a new window) when you buy a new Apple Watch. You’ll get interest-free monthly payments  footnote  ++ and 3% Daily Cash back, all up front.

+ Variable APRs for Apple Card range from 18.74% to 28.99% based on creditworthiness. Rates as of October 1, 2024. Existing customers can view their variable APR in the Wallet app or card.apple.com Apple Card.

++ 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 products purchased at Apple Store locations, apple.com (Opens in a new window), the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See support.apple.com/kb/HT211204 (Opens in a new window) 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 October 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 18.74% to 28.99% based on creditworthiness. Rates as of October 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 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. When you buy an iPhone with ACMI, you’ll need to select AT&T, Boost Mobile, 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 (Opens in a new window) for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement (Opens in a new window) 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.