Starting August 15, 2023, the ACMI installment term for new Apple Watch purchases will change from 24 months to 12 months. Starting August 15, 2023, carrier connection with AT&T, T‑Mobile, or Verizon is required for all iPhone purchases made with ACMI. Currently, carrier connection with AT&T, T‑Mobile, or Verizon is required for all iPhone purchases made with ACMI from Apple Store locations only. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. If you buy an ACMI eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Variable APRs for Apple Card other than ACMI range from 15.99% to 26.99% based on creditworthiness.

See /kb/HT211204 for more information about eligible products.

for eligible Apple 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. 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.

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