The Apple Card is a popular credit card for iPhone users who want to take advantage of features like no fees daily cash back and innovative privacy controls. When you get an Apple Card, it’s important to know how to pay your bill online efficiently each month. This comprehensive guide will walk through the entire process.
Overview of Paying the Apple Card Bill
There are a few ways Apple Card holders can go about paying their monthly statement balance:
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Wallet app – The easiest way is through the Wallet app on iPhone You can schedule one-time or recurring payments from a bank account
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Website – Pay bills at card,applecom via Apple Account You can also set up autopay here,
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Phone – Call an automated system anytime to make a one-time payment.
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Mail – Send a physical check to the Apple Card payment address printed on the statement.
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Bank transfer – Arrange a bill payment transfer from your bank’s website or app.
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Apple Store – Make a cash payment at select Apple retail locations.
When Is My Apple Card Payment Due?
The Apple Card monthly statement closes on the last day of the month. The payment due date is approximately 21 days after the closing date.
So if your statement period ends January 31st, your minimum payment will be due around February 21st. Due dates are always shown clearly at the top of your PDF statement and in the Wallet app.
Payments must be received by the due date to avoid late fees or interest charges. Any payment activity happening on the due date should be completed by 5 p.m. Pacific Time.
How Much Should I Pay on the Apple Card Each Month?
To avoid interest charges, you’ll want to pay your statement balance in full by the monthly due date. The full statement balance can be found on your PDF statement and in Wallet.
If you can’t pay the full amount, always pay at least the minimum payment shown on your statement. The Apple Card minimum payment is:
- The greater of $25 or…
- 1% of your statement balance plus…
- Any interest charges and late fees you’ve incurred
While minimum payments are an option, keeping a revolving balance month-to-month is not ideal for your finances or credit score. Pay in full when possible.
Step-by-Step Guide to Paying Your Apple Card in Wallet
Paying in the Wallet app is fast and convenient. Just follow these steps:
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Open the Wallet app and select your Apple Card.
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Tap on the Pay button at the bottom of the screen.
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You’ll see your statement balance, minimum payment, and due date. Tap Pay Now to continue.
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Enter the payment amount. Tap pay Full Balance to avoid interest.
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Select the bank account source for funds. Tap Confirm when ready.
That’s it! Wallet will display a confirmation screen that your payment is now processing and provide a transaction reference number.
Can I Set Up Autopay on My Apple Card?
Yes, you can enroll in autopay to have your Apple Card payment automatically deducted each month.
To set up autopay:
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Open Wallet and go to your Apple Card account details.
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Scroll down and tap Set Up Autopay.
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Choose your bank account, payment date, and amount.
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Review and agree to the authorization to enable autopay.
With autopay, you don’t have to worry about logging in to pay every month. Just be sure you have enough in your bank account to cover the charges.
How Do I Pay My Apple Card Bill Online?
You can easily pay your Apple Card bill at card.apple.com without even needing your iPhone handy:
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Go to the website and sign in with your Apple ID credentials.
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From your Account overview, click on Pay Your Balance.
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Enter the payment amount and select which bank account to pull funds from.
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Confirm your payment details and submit.
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You’ll receive an on-screen confirmation that your payment is now in process.
Payments made on the website by 5 p.m. Pacific Time will typically post to your account the same day.
What Happens if I Miss My Apple Card Payment?
It’s essential to pay at least your Apple Card minimum payment by the monthly due date. If you miss a payment, here are the repercussions:
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You will be charged a late fee of up to $40.
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Your APR will be increased to the penalty rate, currently 25.99%.
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You may forfeit your cash back rewards earned that month.
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Your credit score will take a hit from the late payment mark.
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Your account could potentially be closed for non-payment.
Don’t let a late payment lead to a downward spiral of increased interest charges and credit damage. Calendar reminders and autopay can help prevent ever missing a payment due date.
Key Takeaways for Paying Your Apple Card
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Review statements in Wallet to see your balance and minimum payment.
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Schedule one-time or recurring payments easily via Wallet and the website.
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Consider enrolling in autopay for automated payment convenience.
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Pay by the due date to avoid late fees and penalty rates.
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Contact Apple Card support if you may need alternate payment arrangements.
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Keep bank account info current to prevent declined payments.
Overall, Apple provides flexible options to suit your payment preferences each month. Take advantage of the easy-to-use Wallet and website tools to stay on top of your Apple Card account. Responsibly paying on time will help you reap rewards while building your credit history.
Chip Lupo , Credit Card Writer
You can pay your Apple Card bill by mail, over the phone, or through the Marcus by Goldman Sachs app for your phone. To pay an Apple Card bill online, log in to your online account and click on “Payments. ” Then, choose how much to pay, when to pay it, and where the payment is coming from. Marcus by Goldman Sachs does allow cardholders to set up automatic payments, too.
Ways to Make an Apple Card Payment
- On the web, go to your account and click on “Payments.” ”.
- By phone: To make a credit card payment, call 1-877-255-5923 and enter your card information when asked. Then, follow the on-screen instructions.
- Sign in to your account on the app, pick out your card, and then tap “Pay My Bill.” ”.
- You can send a check or money order, but not cash, to Goldman Sachs Bank / Lockbox 6112, P O. Box 7247 / Philadelphia, PA 19170-6112. Send it early enough to make sure it gets there by the due date. Write your credit card number on the check, too.
In conclusion, there are several ways to pay with an Apple Card. Pick the one that works best for you. The important part is to not miss payments, as that can seriously damage your credit score. This answer was last updated on 08/30/24 and it was first published on 03/04/22. For the most up-to-date information on a financial product, you should always check with the bank that is offering it to make sure it is correct. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
How To Pay Your Apple Credit Card Balance
FAQ
Can I pay my Apple credit card bill online?
At card. apple. com, click Payments in the sidebar. You can make a payment at the bottom of the page. Enter a payment amount or choose a suggested amount.
Is paying by Apple Pay safe online?
Apple Pay makes it simple, safe, and private to pay for things in stores, apps, and on the web.
Does the Apple Card have online banking?
When you sign in to card. apple. com, you can use Apple Card on the Web to check your account balance, make payments, and more.
How do I make an apple card payment?
With just a few taps, the Wallet app lets you make a one-time payment or set up automatic payments. You can pay your Apple Card bill online at card even if you don’t have an iPhone or iPad that will work. apple. com. Three people can share an Apple Card account and each pay for things with it. This is called “Apple Card Family.”
Can I make payments on my apple card statement?
Yes, you can make payments on your Apple Card statement. You’re permitted to make up to 5 electronic payments a day. The advantage of using Apple Cash is your available credit updates instantly. This support article explains various ways to make payments on your Apple Card. How to make Apple Card payments – Apple Support Make a one-time payment.
How do I pay my Apple Cash balance?
You can use your Apple Cash balance to make an immediate one-time payment. If the amount you owe on Apple Cash is less than the amount of your payment, the difference is taken out of your default bank account. You can also choose a different bank account to pay your Apple Card balance. Tap Pay [amount].
How do I pay my Apple Card balance online?
See Pay your Apple Card balance online. Your Apple Card balance includes all new spending, as well as any remaining monthly balance. If you have Apple Card Monthly Installments, spending includes the newly billed monthly installment. At card. apple. com, click Payments in the sidebar. Your total balance and available credit appear below Card Balance.
How do I use Apple Cash?
You must have an Apple Pay-enabled device with the most recent iOS version on it in order to access and use all of Apple Cash’s features. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
Can I add a bank account to my Apple Card?
Adding a bank account lets you pay your Apple Card bill, or you can use Apple Cash to help pay off your balance. You are asked if you want to add the same bank account that you use for Apple Cash the first time you do this. If you select Yes, the bank account is automatically added.
