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, (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. ◊ 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. Additional iPhone Payments terms are in the iPhone Payments Terms and Conditions.

Additional Apple Card Monthly Installments terms are in the Apple Card 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. 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. * Pricing for iPhone 14 and iPhone 14 Plus includes a $30 connectivity discount that requires activation with AT&T, T-Mobile, Sprint, or Verizon.

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