An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. You’ll need to select AT&T, T-Mobile, or Verizon as your carrier when you check out. 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. Existing cardholders: see your Customer Agreement for applicable rates and fee. Cardholders who accept an Apple Card on and/or after August 10, 2023: variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. APR ranges may vary based on when you accepted an Apple Card. See (Opens in a new window) for more information about eligible products. for eligible Apple products purchased at Apple Store locations, (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.

◊ 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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