How To Pay Apple Card Bill: 2023 Updated

How To Pay Apple Card Bill -

Are you wondering how to pay Apple card bill in 2023? Or perhaps this is your first time hearing about it, and you are wondering what the Apple card is and what it does?

Well, congratulations. You have come to the right place. In this article, we will give a detailed breakdown of what the Apple card and Apple card bill is all about, how to acquire one and how to easily pay your Apple card bill.

What is the Apple Card?

The Apple Card is a credit card created by Apple Inc. and issued by Goldman Sachs. It is designed primarily for use with Apple Pay on Apple devices such as the iPhone, iPad, Apple Watch, or Mac.

The Apple Card has been available since 2019, and Apple is continuing to add new features. Currently, only people living in the United States are eligible, and as at early 2022, there were 6.7 million American cardholders.

How to get the Apple Card

It is very easy to sign up for the Apple Card. You can do this by open the Wallet app, tapping on the Apple Card interface, and walking through the activation steps. You will get all the information you need from your Apple ID, hence the Apple Card setup will just take a couple of minutes at most.

To sign up for Apple Card, this is a list of the details you need to provide:

  • Your first and last name
  • Date of birth
  • Phone number
  • Home address
  • Country of citizenship
  • The last four digits of your Social Security number
  • Your annual income.

Some users may also be asked to scan their driver’s license or state ID.

You can also apply on Apple’s website when making a device purchase that uses the Monthly Installment Plan or through the Apple Card website.

Once you have successfully signed up for Apple Card, it will be available for use immediately for digital purchases. However, this availability is subject to credit approval, so you need to qualify for Apple Card just like you do with any other kind of credit card.

The Titanium Apple Card

While digital payments are available immediately, Apple will also ship out a physical Apple Card that you can use like a traditional credit card. Since this is a credit card designed by Apple, it is, of course, unique among credit cards. The card is made entirely from titanium, which is laser etched with your name. The front of the card does not have a card number or an expiration date listed, and on the back, there’s no CVV and no signature.

The card still has a traditional magstripe on the back, along with a built-in chip. And while the card number and CVV are not on the card itself, you can find them in the Wallet app if you need them. But this means that if someone finds or steals your card, there’s no real way for them to use it, at least for online purchases.

The physical Apple Card does not support contactless payments itself — you need to use your ‌iPhone‌ for ‌Apple Pay‌ payments. There is no cost for the card and there is no fee associated with replacing it if you lose it.

The titanium Apple Card weighs 14.7 grams, making it heavier than the Chase Sapphire Preferred. However, it is lighter than the AMEX Platinum. Both of these are also considered heavier weight cards.

Using Apple Card with Apple Pay

Apple Card is designed to work with any other credit or debit card that you have stored in the Wallet app for use with ‌Apple Pay‌. You can set it as the default card and use it for in store purchases on ‌iPhone‌ and online purchases on Apple Watch, ‌iPhone‌, iPad, and Mac.

Apple Card on iPhone screen

How to make an online purchase with Apple Card

You can make a purchase online with your ‌Apple Card‌ wherever you see the ‌Apple Pay‌ symbol during an item’s checkout. When you tap the symbol, the ‌Apple Pay‌ transaction sheet slides up the screen and the website is dimmed.

buy with apple pay

Tap the blue chevrons on the right to change any of the transaction’s details. This includes which card to use, your shipping address, the shipping method, and your contact details. Make sure to select Apple Card to use for payment if it is not in the default setting.

How to make an in-store purchase with Apple Card

You can also make ‌Apple Card‌ purchases in stores wherever you see the ‌Apple Pay‌ logo or the contactless symbol.

apple pay contactless logo

To pay for something with the ‌Apple Card‌, double-click the Side button on your ‌iPhone‌. Glance at the screen to authenticate with ‌Face ID‌ (for older iPhones, you put your finger on the Home button to use ‌Touch ID‌), then hold your ‌iPhone‌ near the store’s card reader.

Remember, if a store does not accept ‌Apple Pay‌ or contactless, you can still pay with ‌Apple Card‌. Your titanium ‌Apple Card‌ or card number can be used anywhere Mastercard is accepted. The titanium ‌Apple Card‌ is equipped with a magstripe, so it works just like any other credit card in a retail store. You can find your card number and CVV in the Wallet app for online purchases.

Using Apple Card for non-Apple Pay purchases

If you need to pay for purchases that can’t be made with ‌Apple Pay‌, you can use the physical version of the Apple Card that Apple sends once you sign up. In addition to Goldman Sachs, Apple is partnering with Mastercard, which means you can use the physical Apple Card wherever Mastercard is accepted.

It is easy to set your physical card after receiving it. On a modern ‌iPhone‌, all you need to do is hold your device near the envelope that it came in for an NFC scan and then tap the “Activate” button on your ‌iPhone‌ when it pops up.

If you are using the ‌iPhone‌ X and earlier, you need to open up the Apple Card and open the Wallet app Tap the “Activate” button in the Wallet app and then hold your ‌iPhone‌ near the packaging that the Apple Card came in.

Unlike traditional cards, you do not need to place a phone call for activation purposes.

How to pay Apple Card bill

You can make a one-time payment or schedule recurring payments in the Wallet app with just a few clicks. If you don’t have an eligible iPhone or iPad, you can make an Apple Card payment online at

For Apple Card Family, account owners and co-owners are responsible for all payments on the shared Apple Card account. On a co-owned account, each co-owner can make payments on the account and can add a bank account. Before making or scheduling a payment on a shared Apple Card account, co-owners should verify that they have selected the correct bank account.

Make a one-time payment

On your iPhone in the Wallet app, you can make an immediate one-time payment or you can schedule a one-time payment.

To make an immediate one-time payment:

  1. Open the Wallet app on your iPhone and tap Apple Card.
  2. Tap Pay.
  3. Hold and slide the payment wheel to choose a payment amount.
  4. Tap Pay [amount] to instantly make your payment, then follow the instructions on your screen.

To schedule a one-time payment:

  1. Open the Wallet app on your iPhone, tap Apple Card, then tap Pay.
  2. Hold and slide the payment wheel to choose a payment amount, then tap Schedule.
  3. Tap One-Time Payment.
  4. Choose the date you want to make the payment.
  5. Tap Pay [amount] on [your chosen date], then follow the instructions on your screen.

Set up scheduled payments for Apple Card

  1. On your iPhone, open the Wallet app and tap Apple Card.
  2. Tap the More button , then tap Scheduled Payments.
  3. Tap Set Up, then tap Continue.
  4. To choose the amount that you want to pay, tap Monthly Balance, Minimum Payment Due, or Other Amount.
    • If you chose Monthly Balance or Minimum Payment Due, select when you want your payment to be made. Then tap Next.
    • If you chose Other Amount, select your payment amount, when you want the payment to repeat, and when you want the first payment to be made. Then tap Next.
  5. Confirm with Face ID, Touch ID, or passcode. Then tap Done.

If you want to change your scheduled payment, you need to first cancel your current scheduled payment. On your iPhone, open the Wallet app and tap Apple Card. Tap the More button , tap Scheduled Payments, tap the payment that you want to cancel, then tap Cancel Scheduled Payments.

This is how to pay Apple Card bill.

Check your balance

To see your Card Balance, open the Wallet app on your iPhone and tap Apple Card. The Card Balance shows below your card. 

Card Balance includes all new spending and any remaining monthly balance. If you have Apple Card Monthly Installments your balance includes the newly billed monthly installment.

You can only pay off purchases after they clear, so your Card Balance will continue to reflect pending transactions, even if you make a maximum payment.

Find your monthly balance

  1. Open the Wallet app on your iPhone and tap Apple Card.
  2. Tap Pay.
  3. Your monthly balance is automatically selected and you see a green checkmark.

The monthly balance includes all of your spending in a calendar month (except for any pending transactions), credits posted to your account, and interest charges. It also includes any remaining balance from the previous month. If you have Apple Card Monthly Installments, your monthly balance includes your interest-free monthly installment.

When you pay the monthly balance, it stops additional interest charges on your account.

If you already paid some of your monthly balance, your remaining monthly balance is shown. If you pay off your monthly balance each month by the due date, you aren’t charged interest.

Find your minimum payment due

  1. Open the Wallet app on your iPhone and tap Apple Card.
  2. Tap Pay.
  3. Press and slide counterclockwise until the wheel turns red and stops.
  4. You see the minimum payment due.

The minimum payment is the minimum amount you must pay towards your Apple Card balance to keep your account current.

When your minimum payment is due, Payment Due appears with the amount below your Apple Card. If you bought an iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments, your monthly installment is included in the minimum payment amount.

See your payment history

To view your payment history:

  1. Open the Wallet app on your iPhone and tap Apple Card.
  2. Tap Card Balance.
  3. Scroll down and select the statement that you want to view.

Next to Payments and Credits, you will see the amount of Payments and Credits from the selected month. Payments and Credits includes payments you might have made, refunds on purchases you returned, and credits you might have received from a transaction dispute.

Tap Download PDF Statement if you want to download a PDF of the statement.

You can also view individual payments. Just open the Wallet app on your iPhone and tap Apple Card. Then scroll through Latest Transactions until you see a Payment transaction. To see the payment details, tap the transaction, then tap it again on the next screen.

How to choose or change a payment source

You can add a bank account to make Apple Card payments, or use Apple Cash to pay off your Apple Card balance. The first time you choose to add a bank account, you will be asked if you want to add the same bank account that you use with Apple Cash. If you select Yes, the bank account is automatically added.

Add a bank account

  1. Get your bank account number and bank routing number.
  2. Open the Wallet app on your iPhone and tap Apple Card.
  3. Tap the More button , then tap Card Details .
  4. Scroll down and tap Bank Accounts.
  5. Tap Add a Bank Account, then follow the instructions on your screen.

You can add multiple bank accounts to make payments. The first bank account you add will be your default bank account.

Delete a bank account

Open the Wallet app on your iPhone and follow these steps:

  1. Tap Apple Card.
  2. Tap the More button , then tap Card Details .
  3. Scroll down and tap Bank Accounts.
  4. Tap Edit.
  5. Tap the Delete button .

Before you delete a bank account, note that you must delete any payments that you set up using that bank account.

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