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. See the Apple Card Customer Agreement (Opens in a new window) for more information about ACMI financing. See /kb/HT211204 (Opens in a new window) for information about upcoming changes to ACMI financing. ACMI financing is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. 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 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. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. 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. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. 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. Existing cardholders: See your Customer Agreement for applicable rates and fee. Cardholders who accept an Apple Card on and/or after February 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. APR ranges may vary based on when you accepted an Apple Card. See /kb/HT211204 (Opens in a new window) for more information about eligible products. for eligible products purchased at Apple Store locations, (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. ◊ 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. See (Opens in a new window) for information about upcoming changes to ACMI financing. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. 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 not available for purchases made online at special storefronts. Additional iPhone Payments terms are Additional iPhone Payments terms are here (Opens in a new window). Additional Apple Card Monthly Installments terms are in the Apple Card Customer Agreement (Opens in a new window). Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. Subject to credit approval and credit limit. You’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out.

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. * Pricing for iPhone 15 and iPhone 15 Plus includes a $30 connectivity discount that requires activation with AT&T, T-Mobile, or Verizon.

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