Apple Card Terms and Conditions Apple Card Rates Interest Rates and Interest Charges Annual Percentage Rate (apr) for Purchases

Consent to receiving electronic Communications is a requirement of being able to open and 
maintain an Account. You may request copies of Communications in paper or non-
electronic form by calling 877-255-5923. You have the right to withdraw your consent at any 
time, at which point we may close your Account. In order to withdraw your consent, contact 
us using Messages or by calling us at 877-255-5923. In order to update your email address, 
please visit the Apple ID support website and update your Apple ID. For all other contact 
information, please contact us using Messages or by calling 877-255-5923.
If you have any questions regarding this Agreement or your Account, please contact us at 877-255-
5923.

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Document Outline

• Apple Card Terms and Conditions
  • Apple Card Rates
  • Interest Rates and Interest Charges
    • Annual Percentage Rate (APR) for Purchases
    • How to Avoid Paying Interest on Purchases
    • For Credit Card Tips from the Consumer Financial Protection Bureau
  • Fees
    • Annual Fee
    • Transaction Fees
    • Penalty Fees
    • Other Fees
  • How We Will Calculate Your Balance:
  • Prime Rate:
    • Apple Card Information and Terms
      • 1. ELIGIBILITY
      • 2. AUTHORIZATION FOR CREDIT BUREAU REPORTS
      • 3. SHARING APPLE DEVICE INFORMATION
      • 4. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT
      • 5. PHONE COMMUNICATIONS
      • 6. SPECIAL NOTICES
  • Goldman Sachs Privacy Notice for Apple Partnership Products
    • Who we are
    • Who is providing this notice?
    • Sharing your information with Apple Inc.
  • FACTS
    • WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?
      • Why?
      • What?
      • How?
  • Reasons we can share your personal information
    • For our everyday business purposes:
      • Do we share?
      • Can you limit this sharing?
    • For our marketing purposes:
      • Do we share?
      • Can you limit this sharing?
    • For our marketing purposes:
      • Do we share?
      • Can you limit this sharing?
    • For joint marketing with other financial companies
      • Do we share?
      • Can you limit this sharing?
    • For our affiliates' everyday business purposes:
      • Do we share?
      • Can you limit this sharing?
    • For our affiliates' everyday business purposes:
      • Do we share?
      • Can you limit this sharing?
    • For our affiliates to market to you
      • Do we share?
      • Can you limit this sharing?
    • For nonaffiliates to market to you
      • Do we share?
      • Can you limit this sharing?
  • Questions
  • What we do
    • How do we protect your personal information?
    • How do we collect your personal information?
    • Why can't I limit all sharing?
  • Definitions
    • Affiliates
    • Nonaffiliates
    • Joint marketing
  • Electronic Communications Agreement