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Apple Card Family: 6 Things You Should Know About Apple’s New Credit Card Feature

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Anyone who joins your Apple Card family can get a titanium Apple Card.

Sarah Tew, CNET

Finally, you can now download your Apple Card account with your spouse or other family member, as long as you have iOS 14.6 on your iPhone. If you invite someone to be part of your Apple Card account, they can buy things with your Apple Card account (unfortunately, they are allowed to use the Daily cash rewards earned from their purchases.) You need to set up a family group and find out if you want to set spending limits – we’ll walk you through your options. One thing you can’t do is still completely combine existing Apple Card accounts, but that feature is coming pretty soon.

There are many questions about Apple Card Family, how it works, what kind of accounts you can create and how you can invite someone to share your card. I’ve gone through all the details of the Apple Card Family and help break down the main points below.

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Who can I share my Apple Card with?

To invite someone to share your Apple Card account, they must be a member of your Family Sharing group. If you haven’t set up Family Sharing yet, you should take a few minutes and do that anyway. Not only does this mean you can invite members to your Apple Card account and make purchases, but you can also share app purchases and iCloud storage (among other features).

Family Sharing groups are limited to a total of 6 members (you plus 5 others) and that’s the same limit on the number of people you can use Apple Card Family with.

What Should I Know About Combining Apple Card Accounts?

One more thing you should know. If you want to combine your Apple Card account with your partner’s Apple Card account, this is currently not possible. According to Apple, it is possible to merge two accounts that are part of the same Family Sharing group in July, which is not that far off.


James Martin / CNET

What is the difference between a co-owner and a participant?

When you invite someone else to join your Apple Card family, you are asked to select whether that person becomes a co-owner or a member. They are two very different accounts, each with its own purpose.

Co-owner: A co-owner account has the same responsibilities and requirements as the main account holder. That means they are equally responsible for paying the card balance and ensuring payments are made on time. A co-owner builds up credit on the basis of the Apple Card. They can also manage attendees, request physical Apple Cards for attendees under 18, and view all activity on the shared Apple Card account.

Participant: A participant is not responsible for the account balance or making payments. They can only access their own transaction history, not the full account history. The account owner can set a spending limit for each participant. Participants who are 18 or older can order their own physical Apple Card and sign up to accrue credit with their account.

Both account types get the benefit they deserve Daily Apple Cash and have direct access to the digital Apple Card on their iPhone, iPad, Mac and Apple Watch once they have accepted an invitation.

How do I invite someone to Apple Card Family?

The easiest way to send an invitation is to open the Wallet app on your iPhone and select your Apple Card. Then tap the three dots icon in the top right corner of the screen. Then tap Share my card followed by Continue.

You will be presented with a list of eligible people in your Family Sharing group to whom you can send an invitation. Tap the person’s name, then select the account type you want to give them. Follow the instructions to finish sending the invitation.


If it was recently updated, you may even see a notification to share your card in the Wallet app.

Screenshot by Jason Cipriani / CNET

How do I accept an Apple Card Family invitation?

When you receive an invitation to share an Apple Card, it will take you a few minutes to complete the sign-up process on your iPhone.

Once the account owner sends you an invitation, you will receive a notification on your phone. Open the alert or unlock your phone and open the Wallet app. In the top right corner, you have a notification badge – tap on it. Follow the prompts to complete the installation.

For attendees, you just need to accept the Apple Card invitation. Optionally, you can enter your Social Security number to start building credit if you are over 18.

For co-owners, you must go through the entire Apple Card sign-up process, including a credit check and entering your personal information.

After you master Apple Card Family, take a few minutes to learn more about using your iPhone. iOS 14 is packed with features that are downright cool, Although some are hidden. And if the iPhone is new to you, you should definitely check these settings right away.

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