Set up Apple Card Family and add a co-owner and participants

Learn how to share Apple Card with trusted members of your Family Sharing group. You can even co-own the account with one other person.

About Apple Card Family

Apple Card Family lets you co-own your Apple Card account with one member of your Family Sharing group. You can share your credit line with a co-owner and build credit together as equals. You can even invite another Apple Card owner to combine credit limits with you and form one co-owned account.1 You can also share your Apple Card with members of your Family Sharing group, including teens and adults. Everyone on the shared account can use Apple Card and view their spending. Account owners and co-owners can see a participant's activity, set transaction limits, and more. And there's a single monthly bill.

Six people — including you — can be on a shared Apple Card account. You can invite up to five members of your Family Sharing group to join and one of those five can be an account co-owner. Participants must be 13 years or older and account co-owners must be 18 years or older.

What account owners and co-owners can do on a shared Apple Card

  • They share full responsibility for the account balance and all payments, even if one account co-owner does not pay.
  • They can build credit together equally, which means that account owners and co-owners are each reported in their own name. Credit reporting includes positive and negative payment history, credit utilization, and additional information. Card usage and payment history may impact each account co-owners credit score differently because each individual's credit history will include information that's unique to them.
  • They can immediately use their shared Apple Card to receive unlimited Daily Cash back on their transactions.
  • They can add or remove participants and order a titanium Apple Card for participants who are under 18 years old.
  • They can view participant activity and account co-owner activity.
  • They can set transaction limits for participants, lock a participant's ability to spend, and receive notifications on participants spending.
  • They can request a credit limit increase.
  • They can close the shared Apple Card account at any time, but are still responsible for paying any remaining balance.2

What participants can do on a shared Apple Card

  • They're not responsible for payments.
  • They can view their own transactions and information.
  • They can spend up to the credit limit on the account but may have an optional transaction limit set by an account owner or co-owner.
  • They can immediately use their shared Apple Card and get unlimited Daily Cash on all transactions.
  • If they're 18 years or older, they can order their own titanium Apple Card.
  • If they're 18 years or older, they can opt in to build their credit and be reported as an authorized user on the account.3

If a participant is 18 years or older and doesn't want to be part of Apple Card Family, they can apply for their own Apple Card account.4 If their application is approved and they accept their Apple Card offer, they get their own account and are removed from the shared Apple Card account.

Information about credit reporting

It's important for everyone on Apple Card Family to understand how credit reporting can impact their credit file. Information about the Apple Card Family account, such as payment history and credit utilization, are reported to credit bureaus and shown in credit bureau reports for account owners and co-owners. This information may also be shown in credit bureau reports for a participant if they're being reported on the Apple Card Family account as an authorized user. Being credit reported can assist with building credit history for account co-owners and participants. Generally, accounts that have been established for a while, show consistent on-time payments, and have low balances (e.g. below 30% of the total credit limit), may result in a more positive credit impact.

What you need

Invite an Apple Card Family participant or account co-owner

  1. Open the Wallet app and tap your Apple Card.
  2. Tap the more button the more icon.
  3. Under People, tap Share My Card, then tap Continue.
  4. Select a member of your Family Sharing group. To invite someone to join your Family Sharing group, tap Invite Someone.
  5. To invite an account co-owner, tap Become Co-Owners. To invite a participant, tap Add as Participant.
  6. Follow the instructions on your screen to provide the requested information.
  7. Tap Send Invitation, then authenticate with your passcode.

On your iPad, open the Settings app > Wallet & Apple Pay > Apple Card > Info tab. Then follow these steps:

  1. Under People, tap Share My Card, then tap Continue.
  2. Select a member of your Family Sharing group. To invite someone to join your Family Sharing group, tap Invite Someone.
  3. To invite an account co-owner, tap Become Co-Owners. To invite a participant, tap Add as Participant.
  4. Follow the instructions on your screen to provide the requested information.
  5. Tap Send Invitation, then authenticate with your passcode.

If you invite a participant who is under 18 years old, set up Apple Cash Family so that they can use their Daily Cash with Apple Cash.

Accept an Apple Card invitation

  1. On your iPhone, tap the invite notification or open the Wallet app, then tap the badge notification badge notification icon in the upper-right corner.
  2. Tap Continue.
  3. If you're a participant, tap Accept Apple Card. If you're an account co-owner, follow the instructions on your screen to complete your Apple Card application. This includes a credit check.

On your iPad, tap the invite notification or open the Settings app > Wallet & Apple Pay. Under Pending Invitations, tap Apple Card to accept the invite.

To become an account co-owner, your application must be approved and you must accept your Apple Card offer.

  1. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card including amounts due on the existing co-owner’s account before the accounts are merged. Each co-owner will be reported to credit bureaus as an owner on the account. In addition, co-owners will have full visibility into all account activity and each co-owner is responsible for the other co-owner’s instructions or requests. Credit reporting includes positive and negative payment history, credit utilization, and additional information. Card usage and payment history may impact each co-owner's credit score differently because each individual's credit history will include information that is unique to them. Addition of a new co-owner is subject to credit approval and general eligibility requirements. Learn more about Apple Card eligibility requirements. Either co-owner can close the account at any time which may negatively impact your credit and you will still be responsible for paying all balances on the account. 
  2. When an account is closed, account co-owners and participants can't make new transactions, but account owners and co-owners will remain on the account until it is paid in full.
  3. Participants who are 18 years of age or older may provide their full Social Security Number to Goldman Sachs Bank, USA, Salt Lake City Branch by contacting customer service in order to request credit reporting. Any participant who is married to an account owner is required by law to be reported to credit agencies and must either provide their Social Security Number to Goldman Sachs or contact an Apple Card Specialist.
  4. All applicants are subject to credit approval. Individual applicants must have an independent ability to make the required minimum periodic payments for an Apple Card.

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