How to make Apple Card payments - Apple Support (2024)

Check your balance

To see your Card Balance, open the Wallet app on your iPhone and tap Apple Card.¹ The Card Balance shows below your card. Card Balance includes all new spending and any remaining monthly balance. If you have Apple Card Monthly Installments your balance includes the newly billed monthly installment.

You can only pay off purchases after they clear, so Card Balance will continue to reflect pending transactions, even if you make a maximum payment.

Find your monthly balance

The monthly balance includes all of your spending in a calendar month (except for any pending transactions), interest charges, and credits posted to your account. It also includes any remaining balance from the previous month. If you have Apple Card Monthly Installments,² your monthly balance includes your interest-free monthly installment. When you pay the monthly balance, it stops additional interest charges on your account.

Set up scheduled payments for Apple Card

1. On your iPhone, open the Wallet app and tap Apple Card.

2. Tap the More button, then tap Scheduled Payments.

3. Tap Set Up, then tap Continue.

4. To choose the amount that you want to pay, tap Monthly Balance, Minimum Payment Due, or Other Amount.

   • If you chose Monthly Balance or Minimum Payment Due, select when you want your payment to be made. Then tap Next.

   • If you chose Other Amount, select your payment amount, when you want the payment to repeat, and when you want the first payment to be made. Then tap Next.

5. Confirm with Face ID, Touch ID, or passcode. Then tap Done.

If you want to change your scheduled payment, you need to first cancel your current scheduled payment. On your iPhone, open the Wallet app and tap Apple Card. Tap the More button, tap Scheduled Payments, tap the payment that you want to cancel, then tap Cancel Scheduled Payments.

Make a one-time payment

Watch the video to learn how to make a one-time payment on your Apple Card balance

On your iPhone in the Wallet app, you can make an immediate one-time payment or you can schedule a one-time payment.

Cancel a payment

On iOS 14 or later, you might be able to cancel a one-time payment that hasn't been processed yet:

1. On your iPhone, open the Wallet app and tap Apple Card.

2. Under Latest Transactions, tap the payment that you want to cancel.

3. Tap the payment again, then tap Cancel Payment.

4. Tap Cancel Payment again.

Turn payments with Apple Cash on or off

If you want to pay from only your bank account without using your Apple Cash balance:

1. Open the Wallet app on your iPhone and tap Apple Card.

2. Tap Pay.

3. Choose a payment amount and tap Pay [amount].

4. Tap your bank account, then turn Apple Cash on or off.

5. Tap the Back button, then authenticate with Face ID, Touch ID, or passcode to make a payment.

If you don't have an Apple Cash account, learn how to set one up.

1. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

2. 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, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See https://support.apple.com/HT211204 for more information about eligible products. APR ranges may vary based on when you accepted an Apple Card. Cardholders who accept an Apple Card on and/or after February 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. Existing cardholders: See your Apple Card Customer Agreement in the Wallet app for applicable rates and fees. 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. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. When you buy an iPhone with ACMI, you’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. 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 financing 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 for more information about ACMI financing.

3. Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card, including amounts due on the existing co-owner’s account before the accounts are merged. Each co-owner will be reported to credit bureaus as an owner of the account. In addition, co-owners will have full visibility into all account activity and each co-owner is responsible for the other co-owner’s instructions or requests. Credit reporting includes positive and negative payment history, credit utilization, and additional information. Card usage and payment history may impact each co-owner's credit score differently because each individual's credit history will include information that is unique to them. Adding a new co-owner is subject to credit approval and general eligibility requirements. Learn more about Apple Card eligibility requirements. Either co-owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. Learn more about account-sharing options, including some of the risks and benefits.

4. You can only use your bank account to schedule a one-time payment.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsem*nt. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.