Apple card monthly installments

Apple Card

The simplicity of Apple.
In a credit card.

With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees 1 and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score. 2 Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security.
And with every purchase you get Daily Cash back. Apple Card. It’s everything a credit card should be.

Created by Apple.
Powered by iPhone.

Built for iPhone

Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away with Apple Pay. 3 Your transactions, payments, and account details are all in one place, where only you can see them. 4 You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.

No Fees

We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees. 5 No fees. Really. And our goal is to provide interest rates that are among the lowest in the industry. Because your credit card should work for you, not against you.

The first credit card that actually encourages you to pay less interest.

Pay Less Interest

Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. 6 And it does that in real time, so you can make an informed decision about how much of your balance to pay down.

Unlimited
Daily Cash back.

Real cash you can use right away. 7

Unlimited Daily Cash

When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash. It’s real cash, so unlike rewards, it never expires or loses its value. Your cash is deposited right onto your Apple Cash card in the Wallet app — not a month from now, but every day. And there’s no limit to how much you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend in Messages. Or send it straight to your bank account and watch it add up.

Get 3% Daily Cash back when you shop at Apple.

3% Daily Cash at Apple

Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+.

Get 2%
Daily Cash
back

2% Daily Cash

The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash that’s ready to spend whenever, wherever, and however you want.

Shop with select merchants and get even more Daily Cash.

3% Daily Cash

Apple Card gives you unlimited 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay. ◊

• Duane Reade
• Exxon
• Mobil
• Nike
• Panera Bread
• T-Mobile
• Uber
• Uber Eats
• Walgreens

Apple Card Family

Healthy finances.
Family style.

Apple Card Family

Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family. 8 It allows two partners to merge credit lines 9 to form a single co-owned account 10 , manage that account together, and build credit as equals. 11 Participants 12 18 and older can choose to start building their own credit history, 13 and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases. 14

Goodbye, plastic.
Hello, titanium.

Titanium Card

With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.

Privacy and Security

Privacy and Security

Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you a whole new level of security. And while Goldman Sachs uses your data to operate Apple Card, your transaction history and spending habits belong to you and you alone. Your data isn’t shared or sold to third parties for marketing or advertising.

Pay for your
new Apple products
over time,
interest‑free

when you choose to
check out with Apple Card Monthly Installments. 15

Open to read more about Apple Card Monthly Installments

Apple Card Monthly Installments

You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month. 16 And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.

Tools to help
you make
financially
healthy
choices.

Financial Health

To see how much you’re spending, there’s no need to log in to a separate website or app. Your totals are automatically added up in the Wallet app, ready to view by week or by month. Color-coded categories make it easy to spot trends in your spending so you can decide if you want to change them. And Apple Card uses Maps to pinpoint where you bought something. 17 No mysterious merchant codes. No guessing.

Trusted partners for a different kind of credit card.

Partnerships

To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.

Get started
with Apple Card.

Apply in minutes to see if you are approved with no impact to your credit score. **

Wallet

All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.

Apple Pay

The safer way to make
secure,

contactless purchases
in stores and online.

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Products you can buy with Apple Card Monthly Installments

Some eligible products may be available to purchase with Apple Card Monthly Installments only in stores or online. Depending on the product that you buy, financing terms may vary. 1

To receive a 0% APR installment on eligible products from apple.com, the Apple Store app, or an Apple Store, you must choose Apple Card Monthly Installments as your payment option at checkout. 2 If you choose to pay for your eligible Apple purchase all at once with your Apple Card, that purchase will not receive 0% APR and instead will be subject to the standard purchase APR assigned to your Apple Card.

iPhone or Apple Watch

If you buy an iPhone or Apple Watch using Apple Card Monthly Installments, you will have one installment every month for twenty-four months.

iPad, Mac, and XDR Display

If you buy an iPad, Mac, or XDR Display using Apple Card Monthly Installments, you will have one installment every month for twelve months.

Eligible Mac models include MacBook Air, MacBook Pro, iMac, iMac Pro, Mac Pro, and Mac mini.

Apple TV, AirPods, and Beats Flex Wireless Earphones

If you buy any of these products using Apple Card Monthly Installments, you will have one installment every month for six months.

Accessories

• Apple Pencil
• iPad Keyboard
• Pro Stand, VESA Mount Adapter
• Apple Afterburner Card
• Apple Branded iPhone Case
• Apple Watch Bands
• Apple Branded iPad Cover
• Apple Branded Mac Cover
• MagSafe Charger
• MagSafe Battery Pack
• Apple Branded MagSafe iPhone Case
• Apple Branded iPhone Leather Wallet with MagSafe

If you buy any of these products using Apple Card Monthly Installments, you will have one installment every month for twelve months.

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How to view and pay Apple Card Monthly Installments

Learn about Apple Card Monthly Installments, view them in Wallet, and see how to pay each month.

View Apple Card Monthly Installments

1. Open the Wallet app and tap Apple Card.
2. Tap the more button .
3. Tap Monthly Installments. If you have multiple monthly installment plans, tap the one that you want to see.

To see more details, tap Total Financed. You can also view Apple Card Monthly Installments online.

When you buy an eligible Apple product by choosing Apple Card Monthly Installments as your payment method, you’ll get a 0% APR installment. 1 After your installment purchase, you’ll get a notification on the iPhone or iPad you use to help you manage your Apple Card Monthly Installment. You can tap the notification and unlock your device to see your monthly installment details. If you use your Apple Card to pay for that purchase all at once — instead of over time — your purchase will be subject to your standard purchase APR because you didn’t choose an installment. 2

Pay your monthly installment

Your minimum payment for Apple Card includes your Apple Card Monthly Installment. When you pay your minimum payment each month, you automatically pay the monthly installment for each of your installment plans.

Pay extra

To pay extra on your Apple Card Monthly Installments, you need to first pay your entire Apple Card balance. Then, to make an additional payment towards your installment balance, choose Pay Early. If you have multiple installments, your additional payment is applied to the outstanding balance of your oldest installment plan.

1. Open the Wallet app and tap Apple Card.
2. Tap the more button , then tap Monthly Installments. If you have multiple monthly installments, you see the balance for all of your monthly installments.
3. Tap Pay Early, then tap Continue.
4. Choose an amount to pay, then tap Pay Now or Pay later and follow the instructions on your screen.

If you don’t pay a monthly installment, you aren’t charged a fee or interest. To keep your account in good standing, pay your monthly installments on time as part of your Apple Card minimum payment due every month.

See your Apple Card Monthly Installment payment history

1. Open the Wallet app and tap Apple Card.
2. Tap Monthly Installments.
3. If you have multiple Apple Card Monthly Installments, tap the device you want to view monthly installments for.

About Apple Card Monthly Installments

Apple Card Monthly Installments is an easy payment option. You can choose to pay for a new iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments — instead of paying all at once — in order to enjoy interest-free, low monthly payments. 1 Just be sure to choose Apple Card Monthly Installments when you check out if you want to pay for your purchase over time at 0% APR. And you’ll get 3% Daily Cash all up front when your device ships or when you buy a new device at an Apple store.

You can use Apple Card Monthly Installments to buy more than one device. Each new device that you buy has its own installment plan. The amount you finance for each device is subtracted from your available Apple Card credit. The number of devices that you can buy with Apple Card Monthly Installments is only limited by your available credit.

What you need

An Apple Card account with enough available credit to cover the cost of your new device. 3

Make sure your device has the latest version of iOS or iPadOS, or macOS. On iOS 13.1 or earlier, you can’t see your installment details and Total Balance includes the total amount you finance. 4

Apple Card Family participants can make a purchase using Apple Card Monthly Installments if the account owner or co-owner has not set a transaction limit for the participant. If the account owner or co-owner has set a transaction limit for the participant, it must be at least equal to the total purchase price of the eligible Apple product. This includes tax and shipping.

How monthly installments are calculated

The total amount you finance for your new device is divided into interest-free monthly installments. Each installment is included in your Apple Card minimum payment and is due every month for the duration of the installment plan.

The total amount you finance increases if you buy an AppleCare+ plan. If you use Apple’s Trade In program, your total financed amount decreases by the amount you get for your old device.

Taxes and shipping are billed to your Apple Card and are subject to your Apple Card variable APR. Taxes and shipping aren’t included in your monthly installments.

Monthly installments and your Apple Card balance

Your Apple Card balance includes your monthly installment. If you use the payment wheel to pay at least your minimum payment due, your monthly installment is included.

When you get Daily Cash

When you buy a new iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments, you get 3% Daily Cash on the total amount you finance. This includes taxes and shipping charges.

You get your Daily Cash when your device ships or when you buy your device at an Apple store.

If you haven’t set up Apple Cash yet, your Daily Cash accumulates and you can apply it towards your Apple Card balance.

When your monthly installments start

Apple Card Monthly Installments are billed to your Apple Card statement on the last day of the month. Your first monthly installment is billed at the end of the same month that your device ships or you pick it up at the Apple store.

If you return a device you bought with Apple Card Monthly Installments

When you return the device that you bought, the remaining monthly installments are closed and the Daily Cash that you received is charged to your Apple Card. The Apple Card Monthly Installment for the device you returned is credited up to the remaining amount of that installment balance. If there’s a remaining credit, it’s applied to your Apple Card account to cover other transactions you might have made.

1. Apple Card Monthly Installments is a payment option available to select at checkout for certain Apple products purchased at Apple Store locations, apple.com, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. Variable APRs for Apple Card, other than Apple Card Monthly Installments, range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020. If you choose the pay-in-full or one-time-payment option for an eligible purchase instead of choosing Apple Card Monthly Installments as the payment option at checkout, your purchase will be subject to the variable APR assigned to your Apple Card. Taxes and shipping are not included in Apple Card Monthly Installments and are subject to your card’s variable APR. See the Apple Card Customer Agreement for more information. Apple Card Monthly Installments 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile.
2. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Available for qualifying applicants in the United States.
3. If your Apple Card application is approved with insufficient credit to cover the cost of your new iPhone, iPad, Mac, or other eligible Apple product, see what you can do .
4. The interest estimator will not reflect that your Apple Card Monthly Installment Balance has a 0% APR if your device does not have iOS 13.2 or later. However, your periodic statement will accurately reflect the 0% APR on your installment balance. To access and use all of the features of Apple Card, add Apple Card to Wallet on your iPhone or iPad with the latest version of iOS or iPadOS.

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.

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