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. The Card Balance is displayed right below your card. Card Balance includes all new spending and any remaining monthly balance. If you have Apple Card Monthly Installments1 your balance includes the newly billed monthly installment.

Check your Card Balance for Apple Card in the Wallet app

You can only pay off your Apple Card purchases after they clear, so Card Balance will continue to reflect pending transactions, even if you pay your monthly balance in full.

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, 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 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 and tap Apple Card.

  2. Tap Pay, then tap Other Amount.

  3. 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 automatic 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,2 account owners and co-owners are responsible for all payments on the shared Apple Card account. On a co-owned3 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 account, co-owners should verify that the correct bank account is selected.

Set up automatic payments for Apple Card

  1. On your iPhone, open the Wallet app and tap Apple Card.

  2. Tap the More buttonNo alt supplied for Image, then tap Autopay.

    Set up automatic payments for Apple Card in the Wallet app

  3. Tap Continue.

  4. To choose the amount that you want to pay, tap Monthly Balance, Minimum Payment Due, or Other Amount.

    • If you chose Monthly Balance or Minimum Payment Due, select when you want your payment to be made. Then tap Next.

    • If you chose Other Amount, select your payment amount, how often you want the payment to repeat, and when you want the first payment to be made. Then tap Next.

  5. Confirm with Face ID, Touch ID, or passcode. Then tap Done.

To cancel Autopay, on your iPhone, open the Wallet app and tap Apple Card. Tap the More buttonNo alt supplied for Image, tap Autopay, then tap Cancel Autopay.

Make a one-time payment

Watch the video to learn how to make a one-time payment on your Apple Card balance

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:

  1. Open the Wallet app and tap your Apple Card.

  2. To pay your monthly balance, tap Pay. To pay a different amount, tap Other Amount.

  3. Tap Pay [amount], then follow the instructions on your screen.

Pay later

To schedule a one-time payment:

  1. Open the Wallet app, tap your Apple Card, then tap Pay.

  2. To schedule a date to pay your monthly balance, tap Schedule. To pay a different amount, tap Other Amount. Enter the amount, then tap Schedule.

  3. Tap One-Time Payment.

  4. Choose the date you want to make the payment.

  5. Tap Pay [amount] 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 Cash4 or your bank account to make an immediate one-time payment.5

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 Apple Card monthly balance in full for all other Apple Card purchases before additional payments can be applied to your installment balance.

Learn how to pay extra towards your Apple Card Monthly Installments.

Apple Card Monthly Installments are interest-free and all other purchases you make with your Apple Card have a variable APR. 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 contact an Apple Card Specialist to make a payment.

  • If you added your Apple Card to another iPhone, you can make a payment or set up automatic 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 Autopay.

Cancel a payment

On iOS 14 or later, you might be able to cancel a one-time payment that hasn't been processed yet:

  1. On your iPhone, open the Wallet app and tap Apple Card.

  2. Under Latest Transactions, tap the payment that you want to cancel.

  3. Tap the payment again, then tap Cancel Payment.

  4. Tap Cancel Payment again.

Choose or change a payment source

You can add a bank account to make Apple Card payments, or use Apple Cash to help pay off your Apple Card balance. The first time you choose to add a bank account, you're asked if you want to add the same bank account that you use with Apple Cash. If you select Yes, the bank account is automatically added.

Add a bank account

  1. Get your bank account number and bank routing number.

  2. Open the Wallet app on your iPhone and tap Apple Card.

  3. Tap the More buttonNo alt supplied for Image, then tap Account Details.

  4. Scroll down and tap Bank Accounts.

  5. Tap Add a Bank Account, then follow the instructions on your screen.

You can add multiple bank accounts to make payments. The first bank account you add will be your default bank account.

Delete a bank account

Before you delete a bank account, you must delete any payments that you set up using that bank account.

Then, open the Wallet app on your iPhone and follow these steps:

  1. Tap Apple Card.

  2. Tap the More button, then tap Account Details.

  3. Scroll down and tap Bank Accounts.

  4. Tap Edit.

  5. Tap the Delete buttonNo alt supplied for Image.

Pay with Apple Cash or a bank account

You can use your Apple Cash balance to make an immediate one-time payment. If the balance of your Apple Cash account is less than the amount of your payment, the remaining balance is paid from your default bank account. You can also choose a different bank account to pay your Apple Card balance.

Pay using Apple Cash

  1. Open the Wallet app on your iPhone and tap your Apple Card.

  2. Tap Pay [amount].

    • If you see your Apple Cash card, confirm with Face ID, Touch ID, or passcode, then tap Done.

    • If you see your bank account, tap Change Bank Account, then turn the Apple Cash slider on. Confirm with Face ID, Touch ID, or passcode. Then tap Done.

Pay using your bank account

  1. Open the Wallet app on your iPhone and tap your Apple Card.

  2. Tap Pay [amount].

    • If you see your bank account, confirm with Face ID, Touch ID, or passcode, then tap Done.

    • If you see your Apple Cash card, tap Change Bank Account, then turn the Apple Cash slider off. Confirm with Face ID, Touch ID, or passcode. Then tap Done.

Select your payment method for making an Apple Card payment in the Wallet app. The Apple Cash slider is off, and there is a checkmark next to Checking account.

Pay using a different bank account

  1. Open the Wallet app on your iPhone and tap your Apple Card.

  2. Tap Pay [amount].

  3. Tap Change Bank Account, then tap Add Bank Account and follow the onscreen instructions.

If you don't have an Apple Cash account, learn how to set one up.

See your payment history

To view your payment history:

  1. Open the Wallet app on your iPhone and tap Apple Card.

  2. Tap Card Balance.

  3. Scroll down and select the statement that you want to view.

Next to Payments and Credits you see the amount of Payments and Credits from the month you selected. If you want to download a PDF of the statement, tap Download PDF Statement. Payments and Credits includes payments you might have made, refunds on purchases you returned, and credits you might have received from a transaction dispute.

You can also view individual payments. Open the Wallet app on your iPhone and tap Apple Card. Then scroll through Latest Transactions until you see a Payment transaction. To see the payment details, tap the transaction, then tap it again on the next screen.

Monthly statement showng the total amount spent that month, previous total balance, new spending, interest charges, Payments and Credits, and Daily Cash.

Learn more

  1. 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, apple.com, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See https://support.apple.com/en-us/102730 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 October 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 18.74% to 28.99% based on creditworthiness. Rates as of October 1, 2024. Existing cardholders: See your Customer Agreement for applicable rates and fee. 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, Boost Mobile, 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 https://support.apple.com/102730 for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement for more information about ACMI financing.

  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. Addition of new 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, 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, click here.

  4. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Learn more about the Terms and Conditions. Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can only send or receive up to $2000 within a rolling seven-day period. Tap to Cash transactions can only be used to send or receive up to $2000 within a rolling seven-day period. Other limits apply, see Terms and Conditions for details. To access and use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS.

  5. You can only use your bank account to schedule a one-time payment.

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.

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.

Published Date: