Where can i use my apple pay credit card

It’s easy to use different cards and passes in Apple Wallet. Some passes can automatically appear based on time and location, like a boarding pass when you arrive at the airport.

To pay with Face ID, double-click the side button, glance at your screen, then hold iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold Apple Watch up to the reader. Learn more

Pay with Apple Card anywhere Apple Pay is accepted, and use the titanium card or virtual card number anywhere Mastercard is accepted.

If you need to give a card number when you check out online or in stores where Apple Pay isn't accepted, you can find your virtual card number in the Wallet app. If you use Apple Card Family2 and you share your account with a co-owner3, you each have your own virtual card number.

Your virtual card number is different from your titanium card number and Apple Pay card number.

To receive a 0% APR installment on eligible products from apple.com, the Apple Store app, or an Apple Store, you must choose Apple Card Monthly Installments as your payment option at checkout.4 If you pay for your eligible Apple purchase all at once with your Apple Card, your purchase will not receive 0% APR, but is subject to the standard purchase APR assigned to your Apple Card.5

If you already purchased an eligible product with your Apple Card and didn't choose Apple Card Monthly Installments at checkout, you can contact Goldman Sachs. Goldman Sachs can help you request to transfer eligible purchases to a 0% APR Apple Card Monthly Installment without the need to return the item and buy it again.

You can reach Goldman Sachs at: (877) 255-5923

Using Apple Card for a cash advance or transferring balances is not currently supported.
Apple Card Family participants and co-owners do not need to have a familial relationship, but must be part of the same Apple Family Sharing Group.
Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card including amounts due on your co-owner’s account before the accounts are merged. Each co-owner will be reported to credit bureaus as an owner on the account. In addition, co-owners will have full visibility into all account activity and each co-owner is responsible for the other co-owner’s instructions or requests. Credit reporting includes positive and negative payment history, credit utilization and additional information. Card usage and payment history may impact each co-owner's credit score differently because each individual's credit history will include information that is unique to them. Addition of a new co-owner or merging existing accounts is subject to credit approval and general eligibility requirements. Learn about Apple Card eligibility requirements. Either co-owner can close the account at any time which may negatively impact your credit, and you will still be responsible for paying all balances on the account. Learn about details on account sharing options including some of the risks and benefits.
Apple Card Monthly Installments (ACMI) is a 0% APR payment option available only in the U.S. to select at checkout for certain Apple 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. Learn more about eligible products. Variable APRs for Apple Card other than ACMI range from 13.99% to 24.99% based on creditworthiness. Rates as of October 1, 2022. If you choose the pay-in-full or one-time-payment option for an ACMI eligible purchase instead of choosing ACMI as the payment option at checkout, that purchase will be subject to the variable APR assigned to your Apple Card. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the Apple Card Customer Agreement for more information. 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. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile.
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.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Helpful?

Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app

, you can use Apple Pay to make secure payments in stores, for transit, in apps, and on websites that support Apple Pay. In Messages, use Apple Cash to send and receive money from friends and family and to make purchases from participating businesses.

To set up Apple Pay, add your debit, credit, and prepaid cards to Wallet.

(Apple Card and Apple Cash are available only in the U.S.)

To add Apple Card, see Set up and use Apple Card on iPhone (U.S. only). For other debit and credit cards, do the following:

In Wallet, tap
. You may be asked to sign in with your Apple ID.
Do one of the following:
- Add a new card: Tap Debit or Credit Card, tap Continue, then position your card so that it appears in the frame, or enter the card details manually.
- Add your previous cards: Tap Previous Cards, then choose any of cards you previously used. These cards may include the card associated with your Apple ID, cards you use with Apple Pay on your other devices, cards you added to AutoFill, or cards that you removed. Tap Continue, authenticate with Touch ID or Face ID, then enter the CVV number of each card.

Alternatively, you may be able to add your card from the app of the bank or card issuer.

The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.

The first card you add to Wallet becomes your default card for payments. To set a different card as the default, move it to the front of the stack.

In Wallet, choose your default card.
Touch and hold the card, then drag it to the front of the stack.
To reposition another card, touch and hold it, then drag it to a new location.

Page 2

Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app

To set up Apple Pay, add your debit, credit, and prepaid cards to Wallet.

(Apple Card and Apple Cash are available only in the U.S.)

To add Apple Card, see Set up and use Apple Card on iPhone (U.S. only). For other debit and credit cards, do the following:

In Wallet, tap
. You may be asked to sign in with your Apple ID.
Do one of the following:
- Add a new card: Tap Debit or Credit Card, tap Continue, then position your card so that it appears in the frame, or enter the card details manually.
- Add your previous cards: Tap Previous Cards, then choose any of cards you previously used. These cards may include the card associated with your Apple ID, cards you use with Apple Pay on your other devices, cards you added to AutoFill, or cards that you removed. Tap Continue, authenticate with Touch ID or Face ID, then enter the CVV number of each card.

Alternatively, you may be able to add your card from the app of the bank or card issuer.

The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.

The first card you add to Wallet becomes your default card for payments. To set a different card as the default, move it to the front of the stack.

In Wallet, choose your default card.
Touch and hold the card, then drag it to the front of the stack.
To reposition another card, touch and hold it, then drag it to a new location.

Page 3

Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app

, you can use Apple Pay to make secure payments in stores, for transit, in apps, and on websites that support Apple Pay. In Messages, use Apple Pay to send and receive money from friends and family and to make purchases from participating businesses.

To set up Apple Pay, add your debit, credit, and prepaid cards to Wallet.

(Apple Card and Apple Cash are available only in the U.S.)

In Wallet, tap
. You may be asked to sign in with your Apple ID.
Choose one of the following:
- Previous cards: Choose the card associated with your Apple ID, cards you use with Apple Pay on your other devices, or cards that you removed. Tap Continue, then enter the CVV number of each card.
- Debit or credit card: Position iPhone so that your card appears in the frame, or enter the card details manually.

Alternatively, you may be able to add your card from the app of the bank or card issuer.

The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.

The first card you add to Wallet becomes your default card for payments. To set a different card as the default, move it to the front of the stack.

In Wallet, choose your default card.
Touch and hold the card, then drag it to the front of the stack.
To reposition another card, touch and hold it, then drag it to a new location.

Page 4

Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app

To set up Apple Pay, add your debit, credit, and prepaid cards to Wallet.

(Apple Card and Apple Cash are available only in the U.S.)

In Wallet, tap
. You may be asked to sign in with your Apple ID.
Do one of the following:
- Add a new card: Position iPhone so that your card appears in the frame, or enter the card details manually.
- Add your previous cards: Select the card associated with your Apple ID, cards you use with Apple Pay on your other devices, or cards that you removed. Tap Continue, then enter the CVV number of each card.

Alternatively, you may be able to add your card from the app of the bank or card issuer.

The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.

The first card you add to Wallet becomes your default card for payments. To set a different card as the default, move it to the front of the stack.

In Wallet, choose your default card.
Touch and hold the card, then drag it to the front of the stack.
To reposition another card, touch and hold it, then drag it to a new location.

Page 5

Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app

To set up Apple Pay, add your debit, credit, and prepaid cards to Wallet.

(Apple Card and Apple Cash are available only in the U.S.)

In Wallet, tap
. You may be asked to sign in with your Apple ID.
Do one of the following:
- Add a new card: Position iPhone so that your card appears in the frame, or enter the card details manually.
- Add your previous cards: Select the card associated with your Apple ID, cards you use with Apple Pay on your other devices, or cards that you removed. Tap Continue, then enter the CVV number of each card.

Alternatively, you may be able to add your card from the app of the bank or card issuer.

The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.

The first card you add to Wallet becomes your default card for payments. To set a different card as the default, move it to the front of the stack.

In Wallet, choose your default card.
Touch and hold the card, then drag it to the front of the stack.
To reposition another card, touch and hold it, then drag it to a new location.

Page 6

Using Apple Pay (on supported models) can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app

To set up Apple Pay, add your debit, credit, and prepaid cards to Wallet.

(The Apple Cash card is available only in the U.S.)

In Wallet, tap
. You may be asked to sign in to iCloud with your Apple ID.
Do one of the following:
- Add a new card: Position iPhone so that your card appears in the frame, or enter the card details manually.
- Add your previous cards: Select the card associated with your Apple ID, cards you use with Apple Pay on your other devices, or cards that you’ve removed. Tap Continue, then enter the CVV number of each card.

Alternatively, you may be able to add your card from the app of the bank or card issuer.

The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.

The first card you add to Wallet becomes your default card for payments. To set a different card as the default, move it to the front of the stack.

In Wallet, choose your default card.
Touch and hold the card, then drag it to the front of the stack.
To reposition another card, touch and hold it, then drag it to a new location.

Page 7

HDR (high dynamic range) in Camera

helps you get great shots in high-contrast situations. iPhone takes several photos in rapid succession at different exposures and blends them together to bring more highlight and shadow detail to your photos.

By default, iPhone uses HDR (for the rear camera and front-facing camera) when it’s most effective. For best results, keep iPhone steady and avoid subject motion.

By default, iPhone automatically uses HDR when it’s most effective. To manually control HDR instead, do the following:

On iPhone XS, iPhone XS Max, and iPhone XR: Go to Settings
> Camera, then turn off Smart HDR.
To turn HDR back on from the Camera screen, tap HDR, then tap On.
On iPhone X, iPhone 8, and iPhone 8 Plus: Go to Settings > Camera, then turn off Auto HDR.
To turn HDR back on from the Camera screen, tap HDR, then tap On.
Other models: Tap HDR at the top of the Camera screen, then tap Off.

By default, the HDR version of a photo is saved in Photos, but you can save both the HDR and non-HDR versions.

Go to Settings

> Camera, then turn on Keep Normal Photo.

Tip: In your albums, HDR versions of photos are marked with “HDR” in the corner.

Page 8

HDR (high dynamic range) in Camera

By default, iPhone uses HDR (for the rear camera and front-facing camera) when it’s most effective. For best results, keep iPhone steady and avoid subject motion.

By default, iPhone automatically uses HDR when it’s most effective. To manually control HDR instead, do the following:

On iPhone XS, iPhone XS Max, and iPhone XR: Go to Settings
> Camera, then turn off Smart HDR.
To turn HDR back on from the Camera screen, tap HDR, then tap On.
On iPhone X, iPhone 8, and iPhone 8 Plus: Go to Settings > Camera, then turn off Auto HDR.
To turn HDR back on from the Camera screen, tap HDR, then tap On.
Other models: Tap HDR at the top of the Camera screen, then tap Off.

By default, the HDR version of a photo is saved in Photos, but you can save both the HDR and non-HDR versions.

Go to Settings

> Camera, then turn on Keep Normal Photo.

Tip: In your albums, HDR versions of photos are marked with “HDR” in the corner.

Page 9

HDR (high dynamic range) in Camera

By default, iPhone takes photos in HDR (for the rear camera and the front camera) when it’s most effective. iPhone 12 models, iPhone 13 models, and iPhone 14 models, record video in HDR to capture true-to-life color and contrast.

By default, iPhone automatically uses HDR when it’s most effective. On some iPhone models, you can manually control HDR instead.

On iPhone XS, iPhone XR, iPhone 11 models, iPhone SE (2nd generation), and iPhone 12 models: Go to Settings
> Camera, then turn off Smart HDR. Then from the camera screen, tap HDR to turn it off or on.
On iPhone 8, iPhone 8 Plus, and iPhone X: Go to Settings > Camera, then turn off Auto HDR.
To turn HDR back on from the camera screen, tap HDR, then tap On.

By default, the HDR version of a photo is saved in Photos. On iPhone X and earlier models, you can also save the non-HDR version.

Go to Settings

> Camera, then turn on Keep Normal Photo.

On iPhone 12 models, iPhone 13 models, and iPhone 14 models, iPhone records video in Dolby Vision HDR for true-to-life color and contrast. To turn off HDR video recording, go to Settings

> Camera > Record Video, then turn off HDR Video.

See the Apple Support article Play and record HDR video on iPhone or iPad.

Page 10

HDR (high dynamic range) in Camera

By default, iPhone takes photos in HDR (for the rear camera and the front camera) when it’s most effective. iPhone 12 models and iPhone 13 models record video in HDR to capture true-to-life color and contrast.

By default, iPhone automatically uses HDR when it’s most effective. On some iPhone models, you can manually control HDR instead.

On iPhone XS, iPhone XR, iPhone 11 models, iPhone SE (2nd generation), and iPhone 12 models: Go to Settings
> Camera, then turn off Smart HDR. Then from the camera screen, tap HDR to turn it off or on.
On iPhone 8, iPhone 8 Plus, and iPhone X: Go to Settings
> Camera, then turn off Auto HDR.
To turn HDR back on from the camera screen, tap HDR, then tap On.
On iPhone 7, iPhone 7 Plus, and earlier: Tap HDR at the top of the camera screen, then tap Off.

By default, the HDR version of a photo is saved in Photos. On iPhone X and earlier models, you can also save the non-HDR version.

Go to Settings

> Camera, then turn on Keep Normal Photo.

On iPhone 12 models and iPhone 13 models, iPhone records video in Dolby Vision HDR for true-to-life color and contrast. To turn off HDR video recording, go to Settings

> Camera > Record Video, then turn off HDR Video.

See the Apple Support article Play and record HDR video on iPhone or iPad.

Page 11

HDR (high dynamic range) in Camera

By default, iPhone takes photos in HDR (for the rear camera and the front camera) when it’s most effective. iPhone 12 models record video in HDR to capture true-to-life color and contrast.

By default, iPhone automatically uses HDR when it’s most effective. To manually control HDR instead, do the following:

On iPhone XS, iPhone XR, and later, go to Settings
> Camera, then turn off Smart HDR. Then from the camera screen, tap HDR to turn it off or on.
On iPhone 8, iPhone 8 Plus, and iPhone X, go to Settings
> Camera, then turn off Auto HDR.
To turn HDR back on from the camera screen, tap HDR, then tap On.
On iPhone 7, iPhone 7 Plus, and earlier, tap HDR at the top of the camera screen, then tap Off.

By default, the HDR version of a photo is saved in Photos. On iPhone X and earlier models, you can also save the non-HDR version.

Go to Settings

> Camera, then turn on Keep Normal Photo.

On iPhone 12 models, iPhone records video in Dolby Vision HDR for true-to-life color and contrast. To turn off HDR video recording, go to Settings

> Camera > Record Video, then turn off HDR Video.

Page 12

HDR (high dynamic range) in Camera

By default, iPhone uses HDR (for the rear camera and the front camera) when it’s most effective. For best results, keep iPhone steady and avoid subject motion.

By default, iPhone automatically uses HDR when it’s most effective. To manually control HDR instead, do the following:

On iPhone SE (2nd generation), iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone XR, iPhone XS, and iPhone XS Max: Go to Settings
> Camera, turn off Smart HDR. Then from the camera screen, tap HDR to turn it off or on.
On iPhone X, iPhone 8, and iPhone 8 Plus: Go to Settings > Camera, then turn off Auto HDR.
To turn HDR back on from the camera screen, tap HDR, then tap On.
All other models: Tap HDR at the top of the camera screen, then tap Off.

By default, the HDR version of a photo is saved in Photos. You can also save the non-HDR version on all models except iPhone SE (2nd generation), iPhone 11, iPhone 11 Pro, and iPhone 11 Pro Max.

Go to Settings

> Camera, then turn on Keep Normal Photo.