How to Share an Apple Card With Your Family

You may already have an Apple Card that you use to pay for items in person or online. Rather than keep your Apple Card all to yourself, why not share it with other family members so they too can purchase items? With the Apple Card family sharing plan, up to six people can share an Apple Card account.

One person 18 or older can be designated as an account co-owner, which means they share full responsibility of the account balance and payments alongside the card’s initial owner. They can build credit together with the owner, though their credit histories and credit report will be separate. A co-owner receives unlimited Daily Cash rewards on their transactions and can order a physical titanium Apple Card for participants under 18. 

Co-owners have the power to add or remove participants, view the credit and purchase activity of participants, and receive notifications on participant spending. They can also request a credit limit increase, set transaction limits for participants, and lock a participant’s ability to spend.

Any family members 13 years or older can be designated as a participant, which is someone able to use the shared Apple Card and get unlimited Daily Cash rewards on all transactions. They are not responsible for paying the credit card bill but can view their own transactions and other details.

Participants can either spend up to the credit limit on the account or an optional limit that the owner or co-owner may set. Those 18 years old or older can order their own titanium Apple Card and opt to build credit and be reported on the account.

In order to add a co-owner or participants to your Apple Card, they must first be a member of your Apple Family Sharing group. For the steps covering how to invite family members, we’ll assume you already own and use an Apple Card yourself. If not, here’s how to sign up for and use an Apple Card.

Invite a Co-Owner

To invite another adult as a co-owner, open the Wallet app on your iPhone and tap your Apple Card. At the screen for your card, tap the ellipsis icon in the top-right corner and select Share My Card. Tap Continue at the Apple Card Family screen, then tap the name of the person you want to invite to share the card.

If you wish to make this person a co-owner, choose the Become Co-Owners option and enter the person’s annual income. Tap Next, then tap Send Invitation. The app indicates that the invitation was sent, while the Apple Card screen shows the status for the other person as Invitation Sent.

The person you invited receives the invitation via email. They can then open the Wallet app on their iPhone and tap the badge notification in the upper-right corner. Under Pending Invitations, tap the Apple Card entry. At the “You’re invited” screen, tap Continue.

Read the Important Info screen and tap Continue. Confirm the details at the Your Information screen and enter any missing data. Tap Next. Confirm the address at the next screen and tap Next. At the Verify Your Identity screen, enter the last four digits of your Social Security number, then tap Next. Enter the annual income, then tap Next. Review the Apple Card terms and conditions and tap Agree. The application is submitted to the associated bank.

At the Your Shared Card screen, tap Accept Shared Card. You can then opt to set the new card as your default card by tapping Set as Preferred Card; otherwise select Not Now. The card is then added to the Wallet app for use.

Tap Continue. At the next screen, the co-owner can opt to receive a titanium Apple Card by mail to use at stores that don’t accept Apple Pay. To do this, tap Continue; otherwise tap No Thanks.

Invite a Participant

To invite someone as a participant, open the Wallet app on your iPhone and tap your Apple Card. At the screen for your card, tap the ellipsis icon in the top-right corner and select Share My Card. Tap Continue, then choose the name of the person you want to invite to share the card.

Choose Add as Participant to make this person a participant. (Note that the participant will be the only option available if you already designated someone else as a co-owner.) You can then select a single-purchase spending limit for the participant, otherwise they will be able to spend as much as the account allows. Tap Next. At the next screen, tap Send Invitation, then tap Done. The Apple Card screen shows the invitation as sent.

The participant receives the invitation by email. They can then open the Wallet app and tap the badge notification in the top-right corner. Under Pending Invitations, tap the Apple Card entry. At the You’re invited screen, tap Continue.

Confirm the details at the Your Information screen and enter any missing information, then tap Next. Confirm or enter the address at the next screen, then tap Next. At the Verify Your Identity screen, enter the Social Security number and Tap Next. Tap Accept Apple Card to accept the invitation. You can then opt to set the new card as the preferred card. The next screen confirms that the card has been added. Tap Continue to complete the process.