Apple account payment card

How to apply for Apple Card

Learn what you need to apply for Apple Card and add it to your devices. And learn what to do if your application is approved or declined.

About Apple Card

Apple Card sets a new level of privacy and security. 1 It’s integrated into the Wallet app and designed for iPhone and a healthier financial life. See if you’re eligible.

If you apply online and don’t add Apple Card to an eligible iPhone or iPad that you own, you can only use it to make eligible purchases online and in-store at Apple. 2

Apply for Apple Card on your iPhone

1. Open the Wallet app and tap the add button .
2. Select Apple Card, then tap Continue.
3. Complete your application.
4. Review and agree to the Apple Card Terms & Conditions.
5. Accept your offered credit limit and APR. 3

After you accept your offer, Apple Card is added to the Wallet app and you can request a titanium Apple Card.

To apply on your iPad, open the Settings app, scroll down and tap Wallet & Apple Pay, tap Add Card, then select Apple Card.

About your credit score

You can apply for Apple Card without impacting your credit score. If your application is approved and you accept your Apple Card offer, a hard inquiry is made. This may impact your credit score.

About sharing an Apple Card

If you want to share an Apple Card with trusted family members or friends, set up Apple Card Family and invite friends or family to share your account.

If you don’t have an Apple Card, you can apply and if you are approved and accept your offer, you can set up Apple Card Family and invite friends or family.

You can also join a shared Apple Card account by getting an invitation from an account owner to co-own Apple Card. Once you receive the invitation, follow the onscreen instructions. 4 You will be prompted to apply for Apple Card.

If your application is approved

You have up to 30 days to accept your offer. If you accept your offer and add Apple Card to your eligible iPhone or iPad, you can:

• Use Apple Card to make purchases anywhere Mastercard is accepted and get unlimited Daily Cash.
• Manage your account in the Wallet app or from your Apple Card web account to make or schedule payments, download PDF statements, and see your balance.
• Set Apple Card as your default payment card for Apple Pay, the App Store, Apple Music, and other Apple services.
• If you have Apple Card Monthly Installments, you can see your plan in the Wallet app or see your plan online.
• Use Apple Card on all of your eligible devices. Learn how to add your Apple Card to your Apple Watch, iPad, or Mac.

If your application is declined

Make sure that you’re eligible to apply for Apple Card. You can also see which conditions might cause your application to be declined, and learn what you can do if your application is approved with insufficient credit to purchase a particular Apple device.

If you need help applying for Apple Card, contact Apple Support.

See if you’re eligible

• To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.
• You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that’s not a P.O. Box. You can also use a military address.
• Your device must be compatible with Apple Pay. See which devices are compatible with Apple Pay. Make sure that your device has the latest version of iOS, watchOS, or macOS.
• You must sign in on your device with your Apple ID and use two-factor authentication.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
• You might need to verify your identity with a Driver License or State-issued photo ID. 5

1. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.
2. If you apply online, use a supported browser. To access and use all Apple Card features, you need to add Apple Card to an eligible iPhone or iPad that you own with the latest version of iOS or iPadOS. Then, you can manage your Apple Card on your device and make purchases anywhere Mastercard is accepted. If you don’t add Apple Card to an iPhone or iPad that you own, you can only use your Apple Line of Credit for eligible purchases online and in-store at Apple.
3. Variable APRs range from 10.99 percent to 21.99 percent based on creditworthiness. Rates as of April 1, 2020.
4. Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card including amounts due on the existing 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. Credit reporting includes positive and negative payment history, credit utilization and additional information. Card usage and payment history may impact each co-owner’s credit score differently because each individual’s credit history will include information that is unique to them. Addition of a new co-owner is subject to credit approval and general eligibility requirements. Learn about Apple Card eligibility requirements. 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. Learn about details on account sharing options including some of the risks and benefits.
5. If your photo ID won’t scan properly, contact Apple Support.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Источник

Apple Card Support

It takes just minutes to apply for Apple Card in the Wallet app on your iPhone.

Use Advanced Fraud Protection with Apple Card

Turn on a security code that changes periodically for even more secure Apple Card purchases.

Share Apple Card with your family

Build credit together, create spending limits, and teach smart and safe financial habits. All on iPhone and with a single monthly bill.

Activate your card

Request a titanium Apple Card and see how to activate it on your iPhone when it arrives in the mail.

Make purchases

See how to pay with Apple Card using Apple Pay, or how to use your virtual card number or physical card.

Get Daily Cash

Learn how you can receive a percentage of every purchase you make with Apple Card back as Daily Cash.

COVID-19 Customer Assistance Program for Apple Card

If you are experiencing financial hardship due to the COVID-19 pandemic, you can enroll in our Customer Assistance Program.

Manage your account

You can update your billing address, manage your transaction alerts and notifications, and more.

How to make payments

Learn how to set up bill payments, choose a payment source, and view your payment history.

Check your spending activity

See transactions, see your balance, and track how much you spend. If you use Apple Card Family and you’re the account owner or co-owner, you can see each person’s spending.

Sign in online

If you don’t have access to the Wallet app, you can manage your account, view statements, make a payment, and more by visiting card.apple.com.

Financial health and education

See how interest can affect your financial health and learn how to lower interest charges with Apple Card’s payment options.

Источник

Make purchases using Apple Pay

You can pay using Apple Pay in stores, within apps and on the web, and more.

How to pay using Apple Pay in stores and other places

With your iPhone or Apple Watch, you can use Apple Pay in stores, restaurants, gas stations, taxis, or wherever else you see one of these symbols 1 .

Pay with your iPhone

1. To use your default payment card:
   • If your iPhone has Face ID, double-click the side button. Authenticate with Face ID or enter your passcode.
   • If your iPhone has Touch ID, rest your finger on the Touch ID sensor.
2. To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
3. Hold the top of your iPhone near the contactless reader until you see Done and a checkmark on the display.

Pay with your Apple Watch

1. Double-click the side button.
2. Your default card opens automatically. Scroll down to choose another card.
3. Hold the display of your Apple Watch near the contactless reader until you feel a gentle tap and hear a beep.

Want to see your recent purchases? Learn how to check your Apple Pay transaction history.

How to pay using Apple Pay online or within apps

You can use Apple Pay to pay online in Safari 2,3 or within apps when you see Apple Pay as a payment option.

1. Tap the Apple Pay button or choose Apple Pay as your payment method.
2. To pay with a different card, tap the Next button or the Expand Menu button next to your default card.
3. If necessary, enter your billing, shipping, and contact information. Apple Pay stores that information, so you won’t need to enter it again.
4. Confirm the payment.
   • iPhone or iPad with Face ID: Double-click the side button, then use Face ID or your passcode.
   • iPhone or iPad without Face ID: Use Touch ID or your passcode.
   • Apple Watch: Double-click the side button.
   • Mac with Touch ID: Follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen.
   • Mac without Touch ID: Confirm the payment on your Bluetooth-connected iPhone or Apple Watch. Make sure that you’re signed in with the same Apple ID on all devices.
5. When your payment is successful, you’ll see Done and a checkmark on the screen.

1. In addition to accepting Apple Pay, the merchant must accept your payment card and payment network.
2. In China mainland, you can use Apple Pay on the web in Safari only on a compatible iPhone and iPad with the latest version of iOS or iPadOS.
3. In Italy, you can use your iPhone and Apple Watch to make Apple Pay purchases in stores with your Maestro card. Maestro cards can’t be used within apps and on the web. In the Netherlands, you can add Maestro cards to all compatible devices except Mac.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Источник

How to make Apple Card payments

See how to make a payment, check your balance, and choose a payment source.

Check your balance

To see your Card Balance, open the Wallet app on your iPhone and tap Apple Card. 1 The Card Balance shows below your card. Card Balance includes all new spending and any remaining monthly balance. If you have Apple Card Monthly Installments, then your balance includes the newly billed monthly installment.

You can only pay off purchases after they clear, so Card Balance will continue to reflect pending transactions, even if you make a maximum payment.

Find your monthly balance

The monthly balance includes all of your spending in a calendar month (except for any pending transactions), interest charges, and credits posted to your account. It also includes any remaining balance from the previous month. If you have Apple Card Monthly Installments, 2 your monthly balance includes your interest-free monthly installment. When you pay the monthly balance, it stops additional interest charges on your account.

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Your monthly balance is automatically selected and you see a green checkmark.

If you already paid some of your monthly balance, your remaining monthly balance is shown. If you pay off your monthly balance each month by the due date, you aren’t charged interest.

Find your minimum payment due

The minimum payment is the minimum amount you must pay towards your Apple Card balance to keep your account current.

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Press and slide counterclockwise until the wheel turns red and stops.
4. You see the minimum payment due.

When your minimum payment is due, Payment Due appears with the amount below your Apple Card. If you bought an iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments, your monthly installment is included in the minimum payment amount.

How to make payments

You can set up recurring scheduled payments or make a one-time payment in the Wallet app with just a few taps. If you don’t have an eligible iPhone or iPad, you can make an Apple Card payment online at card.apple.com.

For Apple Card Family, account owners and co-owners are responsible for all payments on the shared Apple Card account. On a co-owned account, each co-owner can make payments on the account and can add a bank account. Before making or scheduling a payment on a shared Apple Card acocunt, co-owners should verify that the correct bank account is selected. 3

Set up scheduled payments for Apple Card

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap the more button , tap Scheduled Payments, then tap Continue.
3. Tap Pay My Bill to pay your previous monthly balance or tap Pay Different Amount to choose an amount. Then tap next:
   • If you chose Pay My Bill, select when you want your payment to be made, then tap Next.
   • If you chose Pay Different Amount, select your payment amount, when you want the payment to repeat, when you want the first payment to be made, then tap Next.
4. Confirm with Face ID, Touch ID, or passcode.
5. Tap Done.

If you want to change your scheduled payment, you need to first cancel your current scheduled payment. Just tap the more button , then tap your scheduled payment under Scheduled Payments. Tap Cancel Payments and tap Cancel Payments again to confirm your choice.

Make a one-time payment

On your iPhone in the Wallet app, you can make an immediate one-time payment or you can schedule a one-time payment.

Pay now

To make an immediate one-time payment, follow these steps:

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Hold and slide the payment wheel to choose a payment amount.
4. Tap Pay Now to instantly make your payment, then follow the instructions on your screen.

Pay later

Here’s how to schedule a one-time payment:

1. Open the Wallet app on your iPhone, tap Apple Card, then tap to pay.
2. Hold and slide the payment wheel to choose a payment amount, then tap Pay Later.
3. Choose the date you want to make the payment. 4
4. Tap Pay on [your chosen date], then follow the instructions on your screen.

If you set up Apple Cash and verified your identity, you can use Apple Cash or your bank account to make an immediate one-time payment.

Make additional payments on your Apple Card Monthly Installments

If you pay your minimum payment due each month, you’re automatically paying your Apple Card Monthly Installment for that month. To make an additional payment or pay off your installment balance, you need to pay your Maximum Payment for all other Apple Card purchases before additional payments can be applied to your installment balance.

Apple Card Monthly Installments are interest-free and all other purchases you make with your Apple Card have a variable APR. 2 When you pay toward your Apple Card balance first, you can reduce or eliminate interest charges.

If you pay more towards your installment balance, you might reduce the number of payments, but you’re still required to pay your installment the next month.

If your iPhone or iPad is unavailable

If your iPhone is missing or stolen, you can call an Apple Card specialist to make a payment. You can also ask an Apple Card specialist to help you set up scheduled payments so you won’t miss a payment.

If you added your Apple Card to another iPhone, you can make a payment or set up scheduled payments in the Wallet app on that iPhone. If you added your Apple Card to your iPad, you can go to Settings > Wallet & Apple Pay > Apple Card, then tap Make a Payment or set up Scheduled Payments.

Источник