** 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 support.apple.com/kb/HT211204 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 for more information about ACMI.

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.

1. Testing conducted by Apple in January 2025 using preproduction 13‑inch and 15‑inch MacBook Air systems with Apple M4, 10‑core CPU, 10‑core GPU, and 32GB of RAM, as well as production 1.2GHz quad‑core Intel Core i7-based MacBook Air systems with Intel Iris Plus Graphics and 16GB of RAM, all configured with 2TB SSD. Tested using Super Resolution with Pixelmator Pro 3.6.14 and a 4.4MB image. Performance tests are conducted using specific computer systems and reflect the approximate performance of MacBook Air.

2. Testing conducted by Apple in January 2025 using preproduction 13‑inch MacBook Air systems with Apple M4, 10‑core CPU, and 8‑core GPU, and preproduction 15‑inch MacBook Air systems with Apple M4, 10‑core CPU, and 10‑core GPU, all configured with 16GB of RAM and 256GB SSD. Wireless web battery life tested by browsing 25 popular websites while connected to Wi‑Fi. Video streaming battery life tested with 1080p content in Safari while connected to Wi‑Fi. All systems tested with display brightness set to 8 clicks from bottom and keyboard backlight off. Battery life varies by use and configuration. See apple.com/batteries for more information.

3. Apple Intelligence is available in beta on all Mac models with M1 and later, with Siri and device language set to English (Australia, Canada, Ireland, New Zealand, South Africa, UK, or U.S.), as a macOS Sequoia update. Additional features and Chinese (Simplified), English (India, Singapore), French, German, Italian, Japanese, Korean, Portuguese (Brazil), and Spanish language support available in early April, with more languages coming over the course of the year, including Vietnamese. Some features may not be available in all regions or languages.

4. Testing conducted by Apple in January and February 2025 using preproduction Mac Studio systems with Apple M3 Ultra, 32‑core CPU, 80‑core GPU, and 512GB of RAM, production Mac Studio systems with Apple M2 Ultra, 24‑core CPU, 76‑core GPU, and 192GB of RAM, and production Mac Studio systems with Apple M1 Ultra, 20‑core CPU, 64‑core GPU, and 128GB of RAM, each configured with 8TB SSD, as well as production 3.2GHz 16‑core Intel Xeon W‑based Mac Pro systems with 192GB of RAM, AMD Radeon Pro W5700X graphics with 16GB of GDDR6, Afterburner, and 4TB SSD. Redshift v2025.0.2 tested using a 29.2MB scene utilizing hardware‑accelerated ray tracing on systems with M3 Ultra. Mac Studio and Mac Pro systems tested with an attached 5K display. Performance tests are conducted using specific computer systems and reflect the approximate performance of Mac Studio and Mac Pro.

5. Speeds are based on theoretical throughput and may vary.

6. Trade‑in values will vary based on the condition, year, and configuration of your eligible trade‑in device. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied toward qualifying new device purchase or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In‑store trade‑in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores and may vary between in‑store and online trade‑in. Some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse or limit quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.

7. Education pricing is available to current and newly accepted college students and their parents, as well as faculty, staff, and homeschool teachers of all grade levels. For more information, visit apple.com/us-edu/store.

TM and © 2025 Apple Inc. One Apple Park Way, MS 96-DM, Cupertino, CA 95014. All rights reserved.