Financing and Credit

Two great ways to buy. Choose the one that’s right for you.

With Apple Card, you get 3% Daily Cash on any purchase from Apple. If you prefer special financing, there’s Barclaycard Financing.

Get 3% Daily Cash back when you buy from Apple.

Apple Card is a new kind of credit card. It helps you stay on top of your spending. Encourages you to pay less interest. Gives you Daily Cash back on every purchase. And eliminates fees.¹ Plus if you want a new iPhone from Apple with interest-free monthly payments and 3% Daily Cash all up front, there’s Apple Card Monthly Installments.²

Up to 3% Daily Cash back
3% on purchases from Apple and a total of 3% from select partners when you use Apple Pay³
2% on purchases using Apple Pay
1% on every other purchase

No fees
No annual, international, late, or hidden fees

Apply in no time and start using it right away — on any purchase⁴
You need an iPhone 6 or later with the latest version of iOS.

Barclaycard Financing Visa®

Enjoy special financing for up to 18 months.

No interest if paid in full within the promo period.

With the Barclaycard Financing Visa®, get special financing on purchases made at Apple within the first 30 days of account opening. Promo period is based on purchase amount:

6 months: less than $499
12 months: $499 to less than $999
18 months: $999 and over

Learn more about Barclaycard Financing Visa

Already applied? Check status of your application or access your credit

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full by the end of the promotional period or if you make a late payment. The purchase APR will be 15.49%, 21.49%, or 28.49% variable, based on your creditworthiness.

Your Apple purchase(s) may not be paid in full by the financing offer expiration date if you pay only your minimum amount due each month. You may have to make additional payments to avoid interest charges. See terms and conditions for details.

Small-business financing

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Have a question? Call a Specialist or chat online. Call 1‑800‑MY‑APPLE.

1. If you miss a payment, you will continue to accrue interest on your balance at your regular interest rate.

2. Apple Card Monthly Installments are subject to credit approval and credit limit. iPhone activation required on purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile. Variable APRs for Apple Card other than Apple Card Monthly Installments range from 12.49% to 23.49% based on creditworthiness. Rates as of December 1, 2019. Taxes and shipping are not included in Apple Card Monthly Installments and are subject to your standard purchase APR. See the Apple Card customer agreement for more information. Apple Card Monthly Installments is available on Safari with iOS 13.2 and Safari with MacOS 10.14.6 or later.

3. Select partners can be found here under Daily Cash.

4. Subject to credit approval.

Available for qualifying applicants in the United States.

Issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Barclaycard Financing Visa® Disclosures

Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new Cardmembers only. For information about rates, fees, other costs, and benefits associated with the use of the credit card program, please see the Terms and Conditions.

In many cases, applications can be processed immediately and a decision made in as little as 30 seconds. In some cases, additional review of your application will be required. Most applications that require additional review can be completed and a decision made within 10 business days.

The promotional financing offers apply to all qualifying Apple purchases made only on apple.com, at Apple Store locations, or by calling 1-800-MY-APPLE using the Barclaycard Financing Visa® that post to the new account within the first 30 days of account opening. Qualifying Apple purchases are billed and post to your account when the merchandise is shipped to you. For example, if a partial order that is shipped and billed to your account is an amount that is less than $999, then your account will not initially be given the 18-month special financing promotional offer and instead your initial statement will reflect the promotional offer described above for a transaction that is less than $999. Barclays will monitor your account and will aggregate the total dollar amount spent on apple.com, at Apple Store locations, or by calling 1-800-MY-APPLE that post within the first 30 days of opening your account. If the total amount is $999 or more, you will receive the 18-month special financing promotional offer on all qualifying Apple purchases. If the total amount is greater than or equal to $499 and less than $999, you will receive the 12-month special financing promotional offer on all qualifying Apple purchases. If the total amount is less than $499, you will receive the 6-month special financing promotional offer on all qualifying Apple purchases. The adjustment(s) will appear on your 2nd and 3rd billing statements.

Exclusions: iTunes purchases and/or subscriptions are not deemed to be qualifying Apple purchases under this offer and are not eligible for the promotional financing offer, regardless of where or when the iTunes purchase is made.

Apple is not a participant in or sponsor of this promotion.

^†† We approximate your location from your internet IP address by matching it to a geographic region or from the location entered during your previous visit to Apple.

Two great ways to buy. Choose the one that’s right for you.

Get 3% Daily Cash back when you buy from Apple.

Enjoy special financing for up to 18 months.

Small-business financing

Get help buying