How to make Apple Card payments

See how to check your balance, choose a payment source, and make a payment.

Check your balance

  1. To check your balance, open the Wallet app on your iPhone and tap Apple Card.

  2. The Card Balance is displayed right below your card.

Check your Card Balance for Apple Card in the Wallet app

  • Card Balance includes all new spending and any remaining balance from the previous month.

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

  • If you have Apple Card Monthly Installments,1 your balance includes the newly billed monthly installment.

Find your monthly balance

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

  2. Tap to the right of Card Balance.

  3. Your monthly balance is automatically selected, and you'll see a green checkmark.

If you've already paid some of your monthly balance, your remaining monthly balance is shown.

What your monthly balance includes

  • All of your spending in a calendar month (except for any pending transactions)

  • Interest charges

  • Credits posted to your account

  • Any remaining balance from the previous month

  • Your interest-free monthly installment, if you have Apple Card Monthly Installments

If you pay off your monthly balance each month by the due date, you aren't charged interest.

How to make payments

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. Choose if you want automatic payments set up to pay your monthly Apple Card balance, the minimum payment due, or a different amount. Tap Next.

    • If you selected monthly balance or minimum payment due, choose when you want to pay, then tap Next.

    • If you selected Other Amount, choose the amount and frequency of payments. Tap Next.

  5. Double-click the side button to pay, then confirm with Face ID, Touch ID, or your passcode. Tap Done.

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

Make or schedule a payment

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

Make a payment

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

  2. Tap to the right of Card Balance. Your monthly balance is automatically selected.

    • To pay a different amount, tap Other Amount.

    • Use the keypad to enter a different amount.

  3. Tap Pay [amount], then double click the side button to pay, and confirm with Face ID, Touch ID, or your passcode.

Schedule a payment

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

  2. Tap to the right of Card Balance. Your monthly balance is automatically selected.

    • To schedule a different amount, tap Other Amount.

    • Use the keypad to enter an amount, then tap Schedule.

  3. Tap One-Time Payment, then choose the date to schedule the payment.

  4. Tap Pay [amount] on [your chosen date], double-click the side button to pay, then confirm with Face ID, Touch ID, or your passcode.

If your iPhone, iPad, or computer is unavailable

Contact an Apple Card Specialist at Goldman Sachs to make a payment.

Apple Card Monthly Installments

Apple Card Monthly Installment payments are interest-free. All other purchases you make with your Apple Card have a variable APR.

  • When you pay the minimum payment due, you've paid your Apple Card Monthly Installment for that month.

  • If you make payments toward your Apple Card balance first, you can reduce or eliminate interest charges.

  • To make an additional Apple Card Monthly Installment, or pay off your installment balance, you first must pay your Apple Card monthly balance in full.

  • If you pay more towards your installment balance, you might reduce the number of payments, but you must still pay your installment the next month.

Learn how to pay extra towards your Apple Card Monthly Installments

Apple Card Family

  • 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.

Co-owners should verify that they selected the correct bank account before making or scheduling a payment on a shared Apple Card account.

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.

Add a payment source to make Apple Card payments

You can add a bank account or use Apple Cash to make Apple Card payments.

Add a bank account

  • If you have Apple Cash set up, the first time you add a bank account to your Apple Card account, you're asked if you want to add the same bank account you use with Apple Cash.

  • If you select Yes, the bank account is automatically added.

To add a bank account, you need your bank account number and routing number.

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

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

  3. Scroll down and tap Bank Accounts.

  4. 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.

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

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

  3. Scroll down and tap Bank Accounts.

  4. Tap Edit, then tap the Delete buttonNo alt supplied for Image.

Pay your Apple Card bill with Apple Cash or a bank account

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

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, double-click the side button to pay, then confirm with Face ID, Touch ID, or your passcode. Tap done.

    • If you see your bank account, tap Change Bank Account, then turn the Apple Cash slider on. Double-click the side button to pay, then confirm with Face ID, Touch ID, or your passcode. Tap Done.

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.

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, double-click the side button to pay, then confirm with Face ID, Touch ID, or your passcode. Tap Done.

      Apple Cash Payment Method screen with Checking Account selected

    • If you see your Apple Cash card, tap Change Bank Account, then turn the Apple Cash slider off. Double-click the side button to pay, then confirm with Face ID, Touch ID, or your passcode. Tap Done.

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.

Learn more

If you need help with Apple Card payments, contact an Apple Card specialist at Goldman Sachs.

  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 support.apple.com/102730 for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of December 1, 2024, the variable APR on new Apple Card accounts ranges from 18.49% to 28.74%. You must elect to use ACMI at checkout. If you buy an ACMI-eligible product with a one-time payment on Apple Card at checkout, that purchase is subject to your Apple Card’s variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your Apple Card’s variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers: AT&T, Boost Mobile, T-Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. 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 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.

  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.

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.

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