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    ◊ 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 (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. See support.apple.com/102730 (Opens in a new window) 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 (Opens in a new window) for more information about ACMI.

    * Monthly pricing is available when you select Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple, and is subject to credit approval and credit limit. Financing terms vary by product. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the Apple Card Customer Agreement (Opens in a new window) for more information. ACMI is not available for purchases made online at special storefronts. 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 financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See support.apple.com/kb/HT211204 (Opens in a new window) for information about upcoming changes to ACMI financing.

    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.

    1. Testing conducted by Apple in March 2023 using preproduction Beats Studio Buds + and Charging Case units and software paired with iPhone 13 Pro units and prerelease software. The playlist consisted of 358 unique audio tracks purchased from the iTunes Store (256-Kbps AAC encoding). Volume was set to 50% and Active Noise Cancellation and Transparency were turned off. Testing consisted of full Beats Studio Buds + battery discharge while playing audio until the first Beats Studio Buds + stopped playback. Battery life depends on device settings, environment, usage, and many other factors.
    2. Testing conducted by Apple in March 2023 using preproduction Beats Studio Buds + and Charging Case units and software paired with iPhone 13 Pro units and pre-release software. The playlist consisted of 358 unique audio tracks purchased from the iTunes Store (256-Kbps AAC encoding). Volume was set to 50% and Active Noise Cancellation and Transparency were turned off. 5-minute charge testing conducted with drained Beats Studio Buds + that were charged for 5 minutes, then audio playback was started until the first Beats Studio Buds + stopped playback. Battery life depends on device settings, environment, usage and many other factors.
    3. Requires an iCloud account and a compatible Apple device running the latest operating system software or a compatible Android device running Android 8.0 or later, with Google Play Services enabled.
    4. Requires an iCloud account and a compatible Apple device running the latest operating system software.
    5. Siri may not be available in all languages or in all areas, and features may vary by area. Compatible device and internet access required. Cellular data charges may apply.
    6. Find My requires an iPhone or iPod touch with iOS 16.5 or later, iPad with iPadOS 16.5 or later, or Mac with macOS Ventura 13.4 or later. Customers must have an Apple ID and be signed into their iCloud account with Find My enabled.
    7. Google Fast Pair requires a compatible Android device running Android 8.0 or later, with Google Play Services enabled.
    8. Audio Switch feature requires compatible Android devices running Android 8.0 or later, with Google Play Services enabled.
    9. Find My Device requires an Android device running Android 8.0 or later. User must be signed into an active Gmail account and have Google Play Services enabled.
    10. Beats Studio Buds + are sweat and water resistant for non-water sports and exercise. Beats Studio Buds + were tested under controlled laboratory conditions, and have a rating of IPX4 under IEC standard 60529. Sweat and water resistance are not permanent conditions and resistance might decrease as a result of normal wear. Do not attempt to charge wet Beats Studio Buds +; refer to https://support.apple.com/en-us/HT209542 for cleaning and drying instructions. The charging case is not sweat or water resistant.
    11. Compatible hardware and software required. Works with compatible content in supported apps. Not all content available in Dolby Atmos.
    12. Breakdown of U.S. retail packaging by weight. Adhesives, inks, and coatings are excluded from our calculations of plastic content and packaging weight.

    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.

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    3. Beats Studio Buds + True Wireless Noise Cancelling Earbuds — Transparent

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