2. AT&T Special Deal: Offer pricing will reflect application of AT&T trade-in credit up to $1,000 (iPhone 13 Pro and iPhone 13 Pro Max) or $800 (iPhone 13 mini and iPhone 13) applied over 36 months after trade-in of eligible smartphone. Requires upgrade of an existing line or activation of a new line and purchase of a new iPhone 13 mini, iPhone 13, iPhone 13 Pro, or iPhone 13 Pro Max on qualifying 36‑month 0% APR installment plan, subject to carrier credit qualification. AT&T Installment Plan with Next Up is not eligible for this promotion. $0 down for well‑qualified customers only, or down payment may be required and depends on a variety of factors. Tax on full retail price due at sale. Requires activation on eligible unlimited plan. If you cancel eligible wireless service, credits will stop and you will owe the remaining device balance. Activation/Upgrade Fee: $30. Trade‑in device may not be on existing installment plan. Bill credits are applied as a monthly credit over the 36‑month installment plan. Credits start within 3 bills. Will receive catch‑up credits once credits start. Wireless line must be on an installment agreement, active, and in good standing for 30 days to qualify. Installment agreement starts when device is shipped. To get all credits, device must remain on agreement for entire term and you must keep eligible service on device for entire installment term. Limited‑time offer; subject to change. Limits: one trade‑in per qualifying purchase and one credit per line. May not be combinable with other offers, discounts, or credits. Purchase, financing, other limits, and restrictions apply. Price for iPhone 13 and iPhone 13 mini includes $30 AT&T instant discount. Activation required.

T‑Mobile/Sprint Special Deal: Buy an Apple iPhone 13 Series, or 12 series and trade in a qualifying device (iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone 12, iPhone 12 mini, iPhone 12 Pro, and iPhone 12 Pro Max) to receive (i) Apple instant trade‑in credit and (ii) an additional $200 back in bill credits on your T-Mobile/Sprint rate plan. Bill credits will be applied over 24 months towards your rate plan charges; must be active and in good standing to receive credits; allow 2 bill cycles from valid submission and validation of trade in. If you cancel or downgrade your wireless service before receiving 24 bill credits, credits will stop. Tax on pre‑credit price due at sale. Limited‑time offer; subject to change. Qualifying credit, service, & trade‑in in good condition required. T‑Mobile/Sprint in stores & on customer service calls, $30 assisted or upgrade support charge may be required. Max 4/account. May not be combinable with some offers or discounts. Price for iPhone 13, 13 mini, 12, 12 mini includes $30 T‑Mobile/Sprint instant discount. Activation required.

Verizon Special Deal: Offer pricing will reflect application of Verizon’s trade‑in credit up to $440 (iPhone 13, iPhone 13 Pro, and iPhone 13 Pro Max) or $412 (iPhone 13 mini) after trade‑in of eligible smartphone. Savings comprised of (i) Apple instant trade‑in credit at checkout and (ii) Verizon monthly bill credits applied over 24 months (iPhone 13 mini and iPhone 13) or 30 months (iPhone 13 Pro and iPhone 13 Pro Max). Customer must remain in the Verizon Device Payment Program for 24 months (iPhone 13 mini and iPhone 13) or 30 months (iPhone 13 Pro and iPhone 13 Pro Max) to receive the full benefit of the Verizon bill credits. Bill credits may take 1–2 bill cycles to appear. If it takes two cycles for bill credits to appear, you’ll see the credit for the first cycle on your second bill in addition to that month’s credit. Requires purchase and activation of a new iPhone 13 mini, iPhone 13, iPhone 13 Pro, or iPhone 13 Pro Max with the Verizon Device Payment Program at 0% APR for 24 months (iPhone 13 mini and iPhone 13) or 30 months (iPhone 13 Pro and iPhone 13 Pro Max), subject to carrier credit qualification, and iPhone availability and limits. Taxes and shipping not included in monthly price. Sales tax may be assessed on full value of new iPhone. Requires eligible unlimited service plan. Requires trade‑in of eligible device in an eligible condition. Must be at least 18 to trade in. Apple or its trade‑in partners reserve the right to refuse or limit any trade‑in transaction for any reason. In‑store trade‑in requires presentation of a valid, government‑issued photo ID (local law may require saving this information). In‑store promotion availability subject to local law; speak to a Specialist to learn more. Limited‑time offer; subject to change. Additional terms from Apple, Verizon, and Apple’s trade‑in partners may apply. Price for iPhone 13 and iPhone 13 mini includes $30 Verizon instant discount. Activation required.

3. Available to qualified customers and requires 24-month installment loan when you select Citizens One or Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple. iPhone activation required with AT&T, T-Mobile, Sprint, or Verizon for purchases made with ACMI at an Apple Store. Subject to credit approval and credit limit. Taxes and shipping are not included in ACMI and are subject to your Apple Card’s variable APR. Additional ACMI terms are in the Customer Agreement. Additional iPhone Payments terms are here. 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.

To access and use all the features of Apple Card, you must add Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install.

Available for qualifying applicants in the United States.

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