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<!DOCTYPE html> <html class="no-js" xmlns="http://www.w3.org/1999/xhtml" xml:lang="en-US" lang="en-US" dir="ltr" prefix="og: http://ogp.me/ns#"> <head> <meta charset="utf-8" /> <link rel="canonical" href="https://www.apple.com/apple-card/monthly-installments/" />  <meta name="viewport" content="width=device-width, initial-scale=1, viewport-fit=cover" /> <link rel="stylesheet" type="text/css" href="/api-www/global-elements/global-header/v1/assets/globalheader.css" /> <link rel="stylesheet" type="text/css" href="/ac/globalfooter/8/en_US/styles/ac-globalfooter.built.css" /> <link rel="stylesheet" type="text/css" href="/ac/localnav/9/styles/ac-localnav.built.css" /> <link rel="ac:pricing-endpoint" href="/us/shop/mcm/product-price"> <link rel="ac:edupricing-endpoint" href="/us-hed/shop/mcm/product-price"> <link rel="ac:tradein-endpoint" href="/us/shop/mcm/tradein-credit"> <meta name="ac:pricing-alias" content="iphone-se=IPHONESE3_MAIN" /> <meta name="ac:pricing-alias" content="mac-mini=MACMINI_M2" /> <meta name="ac:pricing-alias" content="ipad-10th-gen=IPAD2022_WIFI" /> <meta name="ac:pricing-alias" content="watch-se=WSE3_A_AL_MN_G" /> <meta name="ac:pricing-alias" content="airpods-2nd-gen=APPLE_AIRPODS_MAIN-142740" /> <title>Apple Card - Monthly Installments - Apple</title> <meta name="Description" content="Pay for your new Apple products over time, interest-free when you choose to check out with Apple Card Monthly Installments. 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</span><span class="globalnav-link-text">Vision</span></span></a></li></ul></div><div data-analytics-element-engagement="globalnav hover - airpods" class=" globalnav-item globalnav-item-airpods globalnav-item-menu "><ul role="none" class="globalnav-submenu-trigger-group"><li class="globalnav-submenu-trigger-item"><a href="/airpods/" data-globalnav-item-name="airpods" data-topnav-flyout-trigger-compact="true" data-analytics-title="airpods" data-analytics-element-engagement="hover - airpods" aria-label="AirPods" class="globalnav-link globalnav-submenu-trigger-link globalnav-link-airpods"><span class="globalnav-link-text-container"><span class="globalnav-image-regular globalnav-link-image"><svg height="44" viewBox="0 0 43 44" width="43" xmlns="http://www.w3.org/2000/svg"><path d="m11.7153 19.6836h.961v.937h.094c.187-.615.914-1.048 1.752-1.048.164 0 .375.011.504.029v1.008c-.082-.024-.446-.059-.645-.059-.961 0-1.658.645-1.658 1.535v3.914h-1.008zm28.135-.111c1.324 0 2.244.656 2.379 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id="globalnav-menubutton-link-search" href="/us/search" data-topnav-flyout-trigger-regular="true" data-topnav-flyout-trigger-compact="true" aria-label="Search apple.com" data-analytics-title="open - search field" class="globalnav-link globalnav-link-search"><span class="globalnav-image-regular"><svg xmlns="http://www.w3.org/2000/svg" width="15px" height="44px" viewBox="0 0 15 44"> <path d="M14.298,27.202l-3.87-3.87c0.701-0.929,1.122-2.081,1.122-3.332c0-3.06-2.489-5.55-5.55-5.55c-3.06,0-5.55,2.49-5.55,5.55 c0,3.061,2.49,5.55,5.55,5.55c1.251,0,2.403-0.421,3.332-1.122l3.87,3.87c0.151,0.151,0.35,0.228,0.548,0.228 s0.396-0.076,0.548-0.228C14.601,27.995,14.601,27.505,14.298,27.202z M1.55,20c0-2.454,1.997-4.45,4.45-4.45 c2.454,0,4.45,1.997,4.45,4.45S8.454,24.45,6,24.45C3.546,24.45,1.55,22.454,1.55,20z"/> </svg> </span><span class="globalnav-image-compact"><svg height="48" viewBox="0 0 17 48" width="17" xmlns="http://www.w3.org/2000/svg"><path d="m16.2294 29.9556-4.1755-4.0821a6.4711 6.4711 0 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small-offset-0" data-text-zoom-max="1.4">Pay for your new<br class="small" /> Apple products<br class="small" /> over time,<br class="small" /> interest‑free</h1> <p class="typography-acmi-hero-eyebrow large-12 medium-10 medium-offset-1 small-12 small-offset-0">when you choose to<br class="small" /> check out with<br class="large" /><br class="medium" /> Apple Card<br class="small" /> Monthly Installments.<sup class="footnote footnote-number"><a href="#footnote-3" aria-label="Footnote 1" data-modal-close>1</a></sup></p> <figure class="hero-image"></figure> </div> <div class="hero-features"> <div class="feature-item item-0" data-component-list="TriggerAnimation" data-anim-keyframes='[{"start": "a0t - 95vh", "end": "a0b"}]'> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-low-monthly"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Low monthly payments. Interest‑free.</p> </div> </div> <div class="feature-item item-1" data-component-list="TriggerAnimation" data-anim-keyframes='[{"start": "a0t - 95vh", "end": "a0b"}]'> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-daily-cash"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Get 3% Daily Cash back. All up front.</p> </div> </div> <div class="feature-item item-2" data-component-list="TriggerAnimation" data-anim-keyframes='[{"start": "a0t - 95vh", "end": "a0b"}]'> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-trade-in"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Trade in your current device. Pay even less per month.<sup class="footnote footnote-number"><a href="#footnote-4" aria-label="Footnote 2" data-modal-close>2</a></sup></p> </div> </div> <div class="feature-item item-3" data-component-list="TriggerAnimation" data-anim-keyframes='[{"start": "a0t - 95vh", "end": "a0b"}]'> <div class="feature-keyline"></div> <div class="features-copy-block "> <figure class="feature-icon icon-easy-apply"></figure> <p class="feature-headline typography-headline-reduced" data-text-zoom-max="1.4">Choose Apple Card Monthly Installments when you check out.</p> </div> </div> </div> </div> </section> <section class="section section-how-it-works background-alt" data-analytics-section-engagement="name:how it works"> <div class="section-borders" data-component-list='BorderComponent'> <div data-scale='{"start": "a0b - 50vh", "end":"a0b - 10vh"}'> <div class="white-border left-border"></div> <div class="white-border right-border"></div> </div> </div> <div class="section-content small-content" data-component-list="StickyGallery"> <h2 class="large-12 medium-10 medium-offset-1 small-12 small-offset-0 bg-gradient typography-hiw-section-headline hiw-headline">How does Apple Card Monthly Installments work?</h2> <div class="container row"> <div class="sticky-content large-5"> <div class="device-container"> <figure class="image-iphone-hardware" data-anim-lazy-image></figure> <figure class="image-screen-daily-cash screen" data-anim-lazy-image></figure> <figure class="image-screen-balance screen" data-anim-lazy-image></figure> <figure class="image-screen-installments screen" data-anim-lazy-image></figure> <figure class="image-screen-checkout screen" data-anim-lazy-image></figure> <figure class="image-screen-wallet screen" data-anim-lazy-image></figure> </div> </div> <div class="hiw-gallery-copy large-6 large-offset-1 small-12 small-offset-0"> <div class="copy-block"> <h3 class="typography-hiw-gallery-headline">Apple Card <br />Monthly Installments<br class="small" /> is an option when you<br class="small" /> pay with Apple Card.</h3> <p class="typography-hiw-gallery-body">Apple Card lives on your iPhone, in the Wallet app. You can apply in as little as a minute and start using it right away.<sup class="footnote footnote-number"><a href="#footnote-5" aria-label="Footnote 3" data-modal-close>3</a></sup></p> <div class="wallet-copy-container"> <figure class="image image-wallet" aria-hidden="true"></figure> <p class="typography-hiw-gallery-caption wallet-caption">To apply, open the Wallet app <br class="small" />on your iPhone and tap<span class="visuallyhidden"> plus sign</span></p> </div> <button aria-label="apply for apple card" class="button button-apply" data-apply-action="https://wallet.apple.com/apple-card/setup/feature/ccs?referrer=" data-referrer="cid%3Dapy-200-100002" data-analytics-click="prop3:click | apply for apple card" data-analytics-title="click | apply for apple card" data-rid-relay="{"287": "referrer"}">Apply for Apple Card</button> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-wallet screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">Choose Apple Card Monthly Installments when you shop at Apple.</h3> <p class="typography-hiw-gallery-body">Whether you shop on apple.com, on the Apple Store app, or at an Apple Store, simply choose Apple Card Monthly Installments as your payment option when you make your purchase.</p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-checkout screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">Easily view your installments in the <br class="small" />Wallet app.</h3> <p class="typography-hiw-gallery-body">Your monthly installments live alongside your everyday Apple Card purchases in the Wallet app. So it’s easy to see your installments, remaining balance, and payment history.</p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-installments screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">One balance to track and pay.</h3> <p class="typography-hiw-gallery-body">Your monthly installment is automatically added to the minimum payment due on your Apple Card — including any associated AppleCare+ coverage. If you share your card with a Co‑Owner,<sup class="footnote footnote-number"><a href="#footnote-6" aria-label="Footnote 4" data-modal-close>4</a></sup> you’re both responsible for the monthly installment payment. And if you or your Apple Card Family members<sup class="footnote footnote-number"><a href="#footnote-7" aria-label="Footnote 5" data-modal-close>5</a></sup> have purchased multiple products, you’ll still only have one balance to pay.<sup class="footnote footnote-number"><a href="#footnote-8" aria-label="Footnote 6" data-modal-close>6</a></sup></p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-balance screen-small"></figure> </div> </div> <div class="copy-block" data-change-screen> <h3 class="typography-hiw-gallery-headline">Get Daily Cash <br class="medium" />you can use right away.</h3> <p class="typography-hiw-gallery-body">Everyone in the family gets 3% Daily Cash back<sup class="footnote footnote-number"><a href="#footnote-9" aria-label="Footnote 7" data-modal-close>7</a></sup> 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.<sup class="footnote footnote-number"><a href="#footnote-10" aria-label="Footnote 8" data-modal-close>8</a></sup> Or, Apple Card Owners and Co‑Owners can set up a high-yield savings account, and the Daily Cash will automatically be sent to Savings.<sup class="footnote footnote-number"><a href="#footnote-11" aria-label="Footnote 9" data-modal-close>9</a></sup></p> <div class="iphone-container-small"> <figure class="image-iphone-hardware"></figure> <figure class="image-screen-daily-cash screen-small"></figure> </div> </div> </div> </div> </div> </section> <section class="section section-featured-products" data-analytics-section-engagement="name:featured products"> <div class="section-content no-pad"> <h2 class="typography-hiw-section-headline section-headline bg-gradient large-12">Featured products.</h2> <div class="product-table row large-12 large-centered"> <div class="content-row"> <div class="content-column large-4 small-6"> <div class="content-wrapper product-option-iphone"> <figure class="product-image image-option-iphone"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">iPhone</h3> <p class="description typography-featured-products-description" data-pricing-hide="iphone-se"> <span aria-label="" role="text"> <span data-pricing-product="iphone-se" data-product-template="${price.display.from}"></span><br class="xs" /> or<br class="large medium" /> <span data-pricing-product="iphone-se" data-product-template="${price.display.perMonthActual}"></span><span aria-hidden="true">/mo.</span><span class="visuallyhidden">per month</span><br class="xs" /> for <span data-pricing-product="iphone-se" data-product-template="${price.display.months}"></span> <span aria-hidden="true">mo.</span><span class="visuallyhidden">months</span><br />before trade-in</span><sup class="footnote footnote-number"><a href="#footnote-12" aria-label="Footnote 10" data-modal-close>10</a></sup> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper product-option-mac"> <figure class="product-image image-option-mac"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">Mac</h3> <p class="description typography-featured-products-description" data-pricing-hide="mac-mini"> <span aria-label="" role="text"> <span data-pricing-product="mac-mini" data-product-template="${price.display.from}"></span> or<br /> <span data-pricing-product="mac-mini" data-product-template="${price.display.perMonthActual}"></span><span aria-hidden="true">/mo.</span><span class="visuallyhidden">per month</span> for <span data-pricing-product="mac-mini" data-product-template="${price.display.months}"></span> <span aria-hidden="true">mo.</span><span class="visuallyhidden">months</span></span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol" data-modal-close>*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper product-option-ipad"> <figure class="product-image image-option-ipad"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">iPad</h3> <p class="description typography-featured-products-description" data-pricing-hide="ipad-10th-gen"> <span aria-label="" role="text"> <span data-pricing-product="ipad-10th-gen" data-product-template="${price.display.from}"></span> or<br /> <span data-pricing-product="ipad-10th-gen" data-product-template="${price.display.perMonthActual}"></span><span aria-hidden="true">/mo.</span><span class="visuallyhidden">per month</span> for <span data-pricing-product="ipad-10th-gen" data-product-template="${price.display.months}"></span> <span aria-hidden="true">mo.</span><span class="visuallyhidden">months</span></span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol" data-modal-close>*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper product-option-watch"> <figure class="product-image image-option-watch"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">Apple Watch</h3> <p class="description typography-featured-products-description" data-pricing-hide="watch-se"> <span aria-label="" role="text"> <span data-pricing-product="watch-se" data-product-template="${price.display.from}"></span> or<br /> <span data-pricing-product="watch-se" data-product-template="${price.display.perMonthActual}"></span><span aria-hidden="true">/mo.</span><span class="visuallyhidden">per month</span> for <span data-pricing-product="watch-se" data-product-template="${price.display.months}"></span> <span aria-hidden="true">mo.</span><span class="visuallyhidden">months</span></span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol" data-modal-close>*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper product-option-airpods"> <figure class="product-image image-option-airpods"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">AirPods</h3> <p class="description typography-featured-products-description" data-pricing-hide="airpods-2nd-gen"> <span aria-label="" role="text"> <span data-pricing-product="airpods-2nd-gen" data-product-template="${price.display.from}"></span> or<br /> <span data-pricing-product="airpods-2nd-gen" data-product-template="${price.display.perMonthActual}"></span><span aria-hidden="true">/mo.</span><span class="visuallyhidden">per month</span> for <span data-pricing-product="airpods-2nd-gen" data-product-template="${price.display.months}"></span> <span aria-hidden="true">mo.</span><span class="visuallyhidden">months</span></span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol" data-modal-close>*</a></span> </p> </div> </div> <div class="content-column large-4 small-6"> <div class="content-wrapper product-option-vp"> <figure class="product-image image-option-vp"></figure> <h3 class="product-headline typography-eyebrow-reduced" data-text-zoom-max="1.6">Apple Vision Pro</h3> <p class="description typography-featured-products-description" data-pricing-hide="vision-pro"> <span aria-label="" role="text"> From $3499 or<br /> $291.58<span aria-hidden="true">/mo.</span><span class="visuallyhidden">per month</span> for 12 <span aria-hidden="true">mo.</span><span class="visuallyhidden">months</span></span><span class="footnote footnote-supglyph"><a href="#footnote-1" aria-label="Footnote * symbol" data-modal-close>*</a></span> </p> </div> </div> </div> <div class="button-row"> <a aria-label="see all eligible products" href="https://support.apple.com/kb/HT211204" data-analytics-title="support | see all eligible products" data-analytics-exit-link class="button button-gray button-size">See all eligible products</a> </div> </div> </div> </section> <section class="section section-router" data-component-list='RevealRouter FocusHandler' data-anim-scroll-group='Router'> <div class="router-container" data-analytics-activitymap-region-id="router"> <div class="router" data-anim-lazy-image> <div class="section-content" data-y data-fade='{"start": "a0b - 75vh", "end":"a0b - 70vh", "breakpointMask":"S", "disabledWhen": ["text-zoom"]}' data-analytics-section-engagement="name:get started"> <figure class="image-router" data-scale data-anim-lazy-image></figure> <div class="row"> <div class="column large-10 large-offset-1 large-centered small-12 small-centered" data-fade='{"start": "a0b - 75vh", "end": "a0b - 55vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}'> <h2 class="router-headline typography-router-headline">Get started<br /> with Apple Card.</h2> </div> </div> <div class="row"> <div class="column large-10 medium-9 small-12 large-centered"> <p class="router-subhead typography-router-subhead" data-fade='{"start": "a0b - 80vh", "end": "a0b - 70vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}'>Apply in minutes to see if you are approved with no impact to your credit score.<span class="footnote footnote-supglyph"><a href="#footnote-2" aria-label="Footnote ** symbol" data-modal-close>**</a></span></p> </div> </div> <div class="row"> <a href="https://card.apple.com/apply/application?referrer=cid%3Dapy-200-10000036&start=false" aria-label="Apply now, Apple Card" class="button button-apply button-light button-just-right apply-now-cta" data-analytics-title="apply now" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link data-fade='{"start": "a0b - 85vh", "end": "a0b - 75vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}'>Apply now</a> <a href="https://wallet.apple.com/apple-card/setup/feature/ccs?referrer=cid%3Dapy-200-10000036" aria-label="Apply now, Apple Card" class="button button-apply button-light button-just-right apply-now-cta mobile-wallet" data-analytics-title="apply now" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link data-fade='{"start": "a0b - 85vh", "end": "a0b - 75vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}'>Apply now</a> </div> </div> </div> <div class="scrim"></div> </div> </section> </main>  <footer id="ac-globalfooter" class="no-js" lang="en-US" dir="ltr" data-analytics-region="global footer" role="contentinfo" aria-labelledby="ac-gf-label"> <div class="ac-gf-content"> <h2 class="ac-gf-label" id="ac-gf-label">Apple Footer</h2> <section class="ac-gf-sosumi" data-nosnippet aria-label="Footnotes"> <ul> <li id="footnote-1" data-toggle-footnote="acmi"><small>*</small> Monthly pricing is available when you select Apple Card 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 <a href="https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> 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 payment amount. <span style="font-weight: 600;">ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See <a href="https://support.apple.com/kb/HT211204">support.apple.com/kb/HT211204</a> for information about upcoming changes to ACMI financing.</span></li> <li id="footnote-2"><small>**</small> Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.</li> </ul> <ol> <li id="footnote-3"> 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, <a href="/">apple.com</a>, the Apple Store app, or by calling 1‑800‑MY‑APPLE, and is subject to credit approval and credit limit. See <a href="https://support.apple.com/102730">support.apple.com/102730</a> for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of October 1, 2024, the variable APR on new Apple Card accounts ranges from 18.74% to 28.99%. You must elect to use ACMI at checkout. If you buy an ACMI‑eligible product with a one-time payment on Apple Card at checkout, that purchase is subject to your Apple Card’s variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your Apple Card’s variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers: AT&T, Boost Mobile, T‑Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. 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 is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the <a href="https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> for more information about ACMI. </li> <li id="footnote-4">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.</li> <li id="footnote-5">Subject to credit approval.</li> <li id="footnote-6">Each Co‑Owner is individually liable for all balances on the co-owned Apple Card 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 Apple Card, including negative items like missed payments. Addition of new Co‑Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, see <a href="https://support.apple.com/en-us/HT209218">support.apple.com/en-us/HT209218</a>. 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 <a href="https://support.apple.com/en-us/HT212020">support.apple.com/en-us/HT212020</a>.</li> <li id="footnote-7">Apple Card Family Participants and Co‑Owners do not need to have a familial relationship, but must be part of the same Apple Family Sharing group.</li> <li id="footnote-8">Apple Card minimum payments are due at the end of the month.</li> <li id="footnote-9">An Apple Cash card is required. Participants under 18 on Apple Card Family accounts must have the family organizer of their Apple Cash Family set up their own Apple Cash card. If you do not have an Apple Cash account, Daily Cash can be applied as a credit on account owner’s statement balance by contacting Goldman Sachs Bank USA. The Apple Cash card is issued by Green Dot Bank, Member FDIC.</li> <li id="footnote-10">You can choose to direct Daily Cash to a Savings account or to an Apple Cash card. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit. Apple Card and Savings accounts are issued or provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. The Apple Cash card is issued by Green Dot Bank, Member FDIC. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the <a href="https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> for more information.</li> <li id="footnote-11">To access Savings, Apple Card Owners and Co‑Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. Apple Card Owners and Co‑Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, Apple Card Owners and Co‑Owners are affirmatively electing to have all future Daily Cash automatically deposited into their respective Savings account. Daily Cash may not be divided between Apple Cash Card and Savings accounts. Owners and Co‑Owners may individually change where their Daily Cash is deposited at any time. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the <a href="https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> 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 Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS.</li> <li id="footnote-12" data-toggle-footnote="acmi">Available to qualified customers and requires 24‑month installment loan when you select Citizens One or Apple Card 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 Apple Card Monthly Installments terms are in the <a href="https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a>. Additional iPhone Payments terms are <a href="/legal/sales-support/iphoneinstallments_us/">here</a>. 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 <a href="https://support.apple.com/kb/HT211204">support.apple.com/kb/HT211204</a> for information about upcoming changes to ACMI financing.</li> </ol> <ul> <li> <p>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.</p> <p style="padding-top: 0.8em;">If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.</p> </li> <li>Software is subject to change.</li> <li>Learn more about how Apple Card applications are evaluated at <a href="https://support.apple.com/kb/HT209218">support.apple.com/kb/HT209218</a>.</li> </ul> </section> <nav class="ac-gf-breadcrumbs" aria-label="Breadcrumbs" role="navigation"> <a href="/" class="home ac-gf-breadcrumbs-home"> <span class="ac-gf-breadcrumbs-home-icon" aria-hidden="true"></span> <span class="ac-gf-breadcrumbs-home-label">Apple</span> <span class="ac-gf-breadcrumbs-home-chevron"></span> <span class="ac-gf-breadcrumbs-home-mask"></span> </a> <div class="ac-gf-breadcrumbs-path"> <ol class="ac-gf-breadcrumbs-list" vocab="http://schema.org/" 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