How to make purchases with Apple Card

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

How to use Apple Card

How to pay 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 is not yet accepted, use your titanium Apple Card or 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.


How to pay with your Apple Card number

Pay with your card number

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

Your card number is different from your physical card number and Device Account Number.

 

 



Pay with your titanium Apple Card

You can pay with your titanium Apple Card anywhere in the world that Mastercard is accepted.

iPhone showing payment options that include Apple Card Monthly Installments and one-time payment. 

How to receive a 0% APR installment on eligible products

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.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

See which products are eligible.

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. Coming July 2021: You will be able to invite another Apple Card owner to combine credit limits and form one co-owned account. 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. 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 payment option available 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 about eligible products. Variable APRs for Apple Card other than ACMI range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020. 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, 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.

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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