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1. Accepting an
Apple Card after your application is approved will result in a
hard inquiry, which may impact your credit score.
2. To access Savings, Apple Card Owners and Co-Owners must open a
Savings account. Savings accounts are provided by Goldman Sachs Bank
USA, Salt Lake City Branch. Member FDIC. Apple Card Owners and
Co-Owners may individually apply for a Savings account and are subject
to eligibility requirements. By opening a Savings account,
Apple Card Owners and Co-Owners are affirmatively electing to have
all future Daily Cash automatically deposited into their
respective Savings account. Daily Cash may not be divided between
Apple Cash account and Savings accounts. Owners and Co-Owners may
individually change where their Daily Cash is deposited at any
time. Savings accounts are not available in Guam, Northern Mariana
Islands, or US Minor Outlying Islands. To set up Savings, you must add
Apple Card to Wallet on an iPhone or iPad that supports and has
the latest version of iOS or iPadOS.
3. Annual Percentage Yield as of May 28, 2025. APY may change
at any time before or after account is opened. Maximum balance
limits apply. See the Deposit Account Agreement for more information regarding balance limits.
4. Variable APRs for Apple Card range from 18.24% to 28.49% based
on creditworthiness. Rates as of January 1, 2025. Existing
customers can view their variable APR in the Wallet app or card.apple.com. Late or missed payments will result in additional interest accumulating toward your balance.
5. You can choose to direct Daily Cash to a Savings account or to
an Apple Cash account. If you do not have either set up to receive
your Daily Cash, it can be applied as statement credit upon
request. Apple Card is issued and Savings accounts are provided by
Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC.
Daily Cash is earned on purchases after the transaction posts to
your account. Actual posting times vary by merchant. Daily Cash is
subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information.
Apple Payments Services LLC, a subsidiary of Apple Inc.,
is a service provider of Goldman Sachs Bank USA for Apple Card and
Savings accounts. 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.
6. Transfer limits apply to Savings transfers to and from
Apple Cash. Transfers may be subject to additional limitations;
please see the Deposit Account Agreement for
more information. For transfers to external banks, withdrawals from
Savings typically occur within 1-3 business days; please contact your
external bank regarding availability of funds sent from Savings.
7. 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
January 1, 2025, the variable APR on new Apple Card
accounts ranges from 18.24% to 28.49%. 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.
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.
Apple Payments Services LLC, a subsidiary of Apple Inc.,
is a service provider of Goldman Sachs Bank USA for Apple Card and
Savings accounts. Neither Apple Inc. nor Apple Payments
Services LLC is a bank.
If you reside in the U.S. territories, please call Goldman Sachs at 877‑255‑5923 with questions about Apple Card.
Apple Pay is a service provided by Apple Payments
Services LLC, a subsidiary of Apple Inc. Neither Apple Inc.
nor Apple Payments Services LLC is a bank. Any card used in
Apple Pay is offered by the card issuer.
All rights reserved. Copyright © 2025 Apple Inc. One Apple Park Way, Cupertino, CA 95014.
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