How to make purchases with Apple Card

Pay with Apple Card anywhere Apple Pay is accepted, and use the titanium card or virtual card number anywhere Mastercard is accepted.

How to pay with Apple Card

You can pay with Apple Card using Apple Pay on your iPhone, iPad, Apple Vision Pro, Apple Watch, or Mac. Learn how to add Apple Card to your devices.

In places where Apple Pay isn't accepted, use your titanium card or virtual card number.1

If you make Apple Card your default card in Wallet, it's automatically selected when you use Apple Pay. This also makes Apple Card your preferred card for the App Store, Apple Music, and other Apple services.

Pay with Apple Card using Apple Pay

Learn how to pay with Apple Pay in stores, restaurants, within apps, and on the web.

Pay with your virtual card number

If you need to give a card number when you check out online or in stores where Apple Pay isn't accepted, you can find your virtual card number in the Wallet app. If you use Apple Card Family2 and you share your account with a co-owner3, you each have your own virtual card number.

Your virtual card number is different from your titanium card number and Apple Pay card number.

Pay with your titanium Apple Card

You can request a titanium Apple Card and use it to pay anywhere in the world that Mastercard is accepted.

How to receive a 0% APR installment on eligible products

To receive a 0% APR installment on eligible products from, the Apple Store app, or an Apple Store, you must choose Apple Card Monthly Installments as your payment option at checkout.4 If you pay for your eligible Apple purchase all at once with your Apple Card, your purchase will not receive 0% APR, but is subject to the standard purchase APR assigned to your Apple Card.

If you already purchased an eligible product with your Apple Card and didn't choose Apple Card Monthly Installments at checkout, you can contact Goldman Sachs. Goldman Sachs can help you request to transfer eligible purchases to a 0% APR Apple Card Monthly Installment without the need to return the item and buy it again.

You can reach Goldman Sachs at: (877) 255-5923

Learn more

  1. Using Apple Card for a cash advance or transferring balances is not currently supported.

  2. 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.

  3. 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 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. Adding a Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. Either Co-Owner can close the account at any time, which may negatively impact your credit. 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, click here.

  4. 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,, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See 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 February 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. Existing cardholders: See your Apple Card Customer Agreement in the Wallet app for applicable rates and fees. 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, 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 the Apple Card Customer Agreement 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, iPad, or Apple Vision Pro that supports and has the latest version of iOS, iPadOS, or visionOS. 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.

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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