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• * Financing available to qualified customers, subject to credit approval and credit limit, and requires you to select Apple Card Monthly Installments (ACMI) as your payment type at checkout at Apple. In order to buy an iPhone with ACMI, you must select one of the following carriers (but you cannot use a prepaid carrier plan): AT&T, T-Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carriers terms. Taxes and shipping on items purchased using ACMI are subject to your cards variable APR, not the ACMI 0% APR. ACMI is not available for purchases made at special storefronts or when using such special discounts in-store at Apple, except ACMI is available at the Education storefront and with the Education discount. The last months payment for each product will be the products 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.
• ** Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.

1. AppleCard 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 AppleStore locations, apple.com, the AppleStore app, or by calling 1‑800‑MY‑APPLE, and is subject to credit approval and credit limit. See here for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of July 1, 2026, the variable APR on new AppleCard accounts ranges from 17.49% to 27.74%. You must elect to use ACMI at checkout. If you buy an ACMI‑eligible product with a one-time payment on AppleCard at checkout, that purchase is subject to your AppleCards variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your AppleCards variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers (prepaid carrier plans are not supported): AT&T, T‑Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carriers terms. ACMI is not available for purchases made at the following special storefronts or when using these discounts in-store at Apple: AppleEmployeePurchasePlan; participating corporate Employee Purchase Programs; AppleatWork for small businesses; Government and Veterans and Military Purchase Programs; or on refurbished devices. The last months payment for each product will be the products 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 AppleCard Customer Agreement for more information aboutACMI.
2. Trade-in values will vary based on the condition, year, and configuration of your eligible trade-in device. Not all devices are eligible for credit. You must be at least the age of majority to be eligible to trade in for credit or for an AppleGiftCard. Trade-in value may be applied toward qualifying new device purchase or added to an AppleGiftCard. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In-store trade-in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores and may vary between in-store and online trade-in. Some stores may have additional requirements. Apple or its trade-in partners reserve the right to refuse, cancel, or limit quantity of any trade-in transaction for any reason. More details are available from Apples trade-in partner for trade-in and recycling of eligible devices. Restrictions and limitations may apply.
3. Subject to credit approval.
4. Each Co‑Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co‑Owners 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‑Owners 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, clickhere.
5. 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.
6. Apple Card minimum payments are due at the end of the month.

7. An Apple Cash account is required. Participants under 18 on Apple Card Family accounts must have the family organizer of their Apple Cash Family set up their own Apple Cash account. If you do not have an Apple Cash account, Daily Cash can be applied as a credit on account Owners statement balance by contacting Goldman Sachs Bank USA.

   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.

8. 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 Apple Cash Terms and Conditions from Green Dot Bank. Only available in the 50 United States, the District of Columbia, and Puerto Rico (collectively the U.S.). To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If youre 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 Apple Cash Terms and Conditions from Green Dot for details. To access and use all Apple Cash features, you must register your Apple Cash Account and have an eligible Apple device with Wallet that has the latest version of iOS. All communications from Apple and Green Dot Bank about Apple Cash (including transactional and marketing communications) and customer service support are available in English. Certain communications about Apple Cash can be viewed in another language depending on your device language settings.
9. 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. For additional information about Daily Cash, including how it is earned, please see the Apple Card Customer Agreement. 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.
10. Financing available to qualified customers, subject to credit approval and credit limit, and requires you to select Apple Card Monthly Installments (ACMI) as your payment type at checkout at Apple. Financing terms vary by product. Taxes and shipping on items purchased using ACMI are subject to your cards variable APR, not the ACMI 0% APR. ACMI is not available for purchases made at special storefronts or when using such special discounts in-store at Apple, except ACMI is available at the Education storefront and with the Education discount. The last months payment for each product will be the products 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.

  All communications from Apple and Goldman Sachs Bank USA about Apple Card (including transactional and marketing communications) and customer service support are available in English. Certain communications about Apple Card can be viewed in another language depending on your device language settings. If you reside in the U.S. Virgin Islands, American Samoa, Guam, Northern Mariana Islands, or U.S. Minor Outlying Islands, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.

• Software is subject to change.
• Learn more about how Apple Card applications are evaluated at support.apple.com/kb/HT209218.

• Merchant offers may change at any time.

  Nike: 3% Daily Cash is available on purchases made in the U.S. using AppleCard with ApplePay at Nike stores, Nike.com, the Nike mobile app, the Nike SNKRS app, and Swoosh.com. Excludes purchases at Nike pop-up events.

  Ace Hardware: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay online, in the mobile app, and at participating stores listed at acehardware.com/applecard. Excludes online and mobile app gift card purchases and purchases from 3rd party merchants using independent point-of-sale systems within a participating Ace Hardware store. Please check with your local participating Ace Hardware store whether your purchases are eligible for 3% Daily Cash.

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