territories, please call Goldman Sachs at 87 with questions about Apple Card.

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. 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Verizon, Sprint, or T-Mobile. 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. See the Apple Card Customer Agreement (Opens in a new window) for more information. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR.

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. Variable APRs for Apple Card other than ACMI range from 15.24% to 26.24% based on creditworthiness. See (Opens in a new window) for more information about eligible products. to select at checkout for certain Apple 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. ◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option available only in the U.S. 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 not available for purchases made online at special storefronts.

* Monthly pricing is available when you select Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple, and is subject to credit approval and credit limit. 1GB = 1 billion bytes and 1TB = 1 trillion bytes actual formatted capacity less.

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