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 /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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