How to make purchases with Apple Card

You can pay with Apple Card using Apple Pay on your iPhone, iPad, 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.

• Watch the video to see how to pay with Apple Card in stores >
• Watch the video to see how to pay with Apple Card online >

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

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.

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

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.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.⁵

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

• See how to apply for Apple Card.⁶
• If you need help paying with Apple Card, contact Apple Support.⁷

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 jointly and individually responsible 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. Credit reporting includes positive and negative payment history, credit utilization and additional information. Card usage and payment history may impact each co-owner's credit score differently because each individual's credit history will include information that is unique to them. Addition of a new co-owner or merging existing accounts is subject to credit approval and general eligibility requirements. Learn about Apple Card eligibility requirements. 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. Learn about details on account sharing options including some of the risks and benefits.
4. Apple Card Monthly Installments (ACMI) is a 0% APR payment option available only in the U.S. 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. Learn more about eligible products. Variable APRs for Apple Card other than ACMI range from 15.99% to 26.99% based on creditworthiness. Rates as of June 1, 2023. If you choose the pay-in-full or one-time-payment option for an ACMI eligible purchase instead of choosing ACMI as the payment option at checkout, that purchase will be subject to the variable APR assigned to your Apple Card. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the Apple Card Customer Agreement for more information. 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Verizon, or T-Mobile.
5. To access and use all the features of Apple Card, you must add Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install.
6. Available for qualifying applicants in the United States.
7. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.