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. Variable APRs for Apple Card other than ACMI range from 15.24% to 26.24% based on creditworthiness. See for more information about eligible products. to select at checkout for certain Apple products purchased at Apple Store locations,, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. As May says, it means “you don’t have to carry around a box filled with screwdrivers.◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option available only in the U.S.

But if you need a screwdriver only a few times a month (or year), this is your best option. Since the tip and shaft are not part of the same solid piece of metal, a tool like this isn’t as strong as a traditional screwdriver. So if you’re tightening a screw, it’ll apply turning force as you rotate your wrist to the right, then let your wrist spin back to the left and into place for another twist - all without removing the screw head from the screw. This is a ratcheting screwdriver, which means the shaft can spin freely in one direction. Its 15 bits - including the standard flathead and Phillips, along with more specialized Robertson and Torx bits (see below), which you probably won’t need until you start a career in decking - are stored inside the handle, so you don’t have to carry around an extra case.

This Lutz screwdriver is a favorite of Strategist senior editor Peter Martin, who learned about it from his uncle, a longtime plumber. Most everything handled by traditional screwdrivers can be taken care of by a single tool with interchangeable bits.

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