How to pay Apple Card with Apple Account balance

I know I can use Apple Cash to pay my Apple credit card.

I have a third item in my wallet called Apple account. Apparently a gift card was refunded or something. It states I have $130 or so. I want to use this to pay the Apple credit card, but I can’t figure out how….please help.

Posted on Jan 31, 2026 5:20 AM

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Question marked as Top-ranking reply

Posted on Jan 31, 2026 6:56 AM

You cannot. Account balance can only be used to purchase things sold by Apple and you would pay for those directly using the balance at the time of purchase, not via using an Apple Card.


This article broadly outlines what you can buy with your Apple Account [Apple ID] balance --> What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

• "Where the Apple Gift Card is available, you can use your Apple Account balance to buy products and accessories at apple.com or in the Apple Store app."

• If being confused by a being asked to enter a payment method, “Some purchases might require that you have a credit card on file, even if you use your Apple Account balance to make the purchase."

There are some exceptions, from: How apps, content, and subscriptions from Apple are billed - Apple Support

Apple Gift Card and Apple Account balance can't be used for some purchases:

• You can't use your Apple Account balance to send gifts or gift cards.

• For some recurring charges, like AppleCare+, you can't start a subscription with Apple Account balance. But as long as you keep another valid payment method on file and your Apple Account balance would cover an entire charge, a recurring charge will pull from your Apple Account balance. In some countries and regions, Apple Account balance can’t be used for some subscriptions like AppleCare+.

• Some subscriptions might not be charged to your Apple Account balance.

• If you use Family Sharing, your family members can't spend your Apple Account balance. Funds that you add to your Apple Account balance are available only to you. Learn more about how purchases bill to your Apple Account balance.


In addition, some purchases might require that you have a credit card on file, even if ultimately your Apple Account balance gets charged in making the purchase.


2 replies
Question marked as Top-ranking reply

Jan 31, 2026 6:56 AM in response to Heardclarke

You cannot. Account balance can only be used to purchase things sold by Apple and you would pay for those directly using the balance at the time of purchase, not via using an Apple Card.


This article broadly outlines what you can buy with your Apple Account [Apple ID] balance --> What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

• "Where the Apple Gift Card is available, you can use your Apple Account balance to buy products and accessories at apple.com or in the Apple Store app."

• If being confused by a being asked to enter a payment method, “Some purchases might require that you have a credit card on file, even if you use your Apple Account balance to make the purchase."

There are some exceptions, from: How apps, content, and subscriptions from Apple are billed - Apple Support

Apple Gift Card and Apple Account balance can't be used for some purchases:

• You can't use your Apple Account balance to send gifts or gift cards.

• For some recurring charges, like AppleCare+, you can't start a subscription with Apple Account balance. But as long as you keep another valid payment method on file and your Apple Account balance would cover an entire charge, a recurring charge will pull from your Apple Account balance. In some countries and regions, Apple Account balance can’t be used for some subscriptions like AppleCare+.

• Some subscriptions might not be charged to your Apple Account balance.

• If you use Family Sharing, your family members can't spend your Apple Account balance. Funds that you add to your Apple Account balance are available only to you. Learn more about how purchases bill to your Apple Account balance.


In addition, some purchases might require that you have a credit card on file, even if ultimately your Apple Account balance gets charged in making the purchase.


How to pay Apple Card with Apple Account balance

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