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 10.99% to 21.99% based on creditworthiness. See (Opens in a new window) for more information about eligible products. ◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option available to select at checkout for certain Apple products purchased at Apple Store locations, (Opens in a new window), the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. Plan automatically renews until cancelled. No audio product purchase necessary for current owners of eligible devices. Offer good for 3 months after eligible device pairing. Offer available for a limited time to new subscribers who connect an eligible device to an Apple device running iOS 15 or iPadOS 15 or later. 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. Additional iPhone Payments terms are here. Additional Apple Card Monthly Installments terms are in the Customer Agreement.

Subject to credit approval and credit limit. iPhone activation required with AT&T, T‑Mobile, Sprint, or Verizon for purchases made with ACMI at an Apple Store.

Pricing for iPhone 13 and iPhone 13 mini includes a $30 carrier instant discount that requires activation with AT&T, T‑Mobile, Sprint, or Verizon. * Available to qualified customers and requires 24-month installment loan when you select Citizens One or Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple.

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