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, , the Apple Store app, or by calling 1‑800‑MY‑APPLE, and is subject to credit approval and credit limit. See 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 for more information about ACMI., Apple Fitness+ requires iPhone 8 or later or Apple Watch Series 3 or later paired with iPhone 6s or later. New subscribers only. $9.99/month after trial. Plan automatically renews until cancelled. Terms apply. iPhone wallpaper requires iOS 18.5. Pride Harmony watch face requires watchOS 11.5. iPad wallpaper requires iPadOS 18.5., Apple Fitness+ requires iPhone 8 or later with iOS 16.1 or later, or Apple Watch Series 3 or later with watchOS 7.2 or later paired with an iPhone 6s or later with iOS 14.3 or later. 3. New subscribers only. $10.99/month after trial. Offer is available for new Apple Music subscribers with a new eligible device for a limited time only..