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. ACMI is a 0% APR payment option that is only available if you select it at checkout in the U.S. Separately, you will receive and be charged for the Promotion Product (Apple Gift Card) in the amount of the applicable instant credit. The total combined amount charged over the 2 separate ACMI installment plans will reflect the original full retail price of the Eligible Product. The value of the Promotion Product (i.e., the value of the Apple Gift Card) will also be charged in a separate second ACMI installment plan for the same number of months as the discounted Eligible Product.

You will be charged one ACMI installment plan for the Eligible Product discounted by the instant credit. Important notice regarding the checkout receipt and monthly statement for Apple Card Monthly Installments (ACMI) purchases with this promotion: A purchase of an Eligible Product made when selecting ACMI (a 0% APR payment option available only in the U.S.) as the payment type at checkout will receive an instant credit equal to the cost of the Promotion Product (Apple Gift Card) deducted from the price of the Eligible Product at the time of purchase. Qualifying purchasers can receive a discount equal to the value of the Promotion Product (depending on their purchase) off the price of the Eligible Product, but will be charged for all items in their cart. Offer valid on qualifying purchases of Eligible Products from November 24, 2023, to November 27, 2023, at a Qualifying Location.

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