How to share your Apple Card with others and add a co-owner

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How to share Apple Card
Give others the ability to use your Apple Card.
Image: Apple/Cult of Mac

Apple Card now gives users the ability to add a co-owner from their Family Sharing group. Co-owners share the same credit line and have the ability to add the card to Apple Pay, view their own spending activity, and more.

It’s also possible to share Apple Card with other members of your family (aged 13 years or older) and give them their own spending limit. Here’s how to start sharing yours on iPhone and iPad.

There are two ways to share your Apple Card. You can add a co-owner, who has equal control over the account, and build credit together. Or you can allow up to five other members of your Family Sharing group to use you card.

Those aged 18 years or older can apply for their own titanium Apple Card, linked to your account, and you can set transaction limits to ensure they don’t overspend. They can also keep track of their own spending.

How to share your Apple Card

To set up both options, follow these steps on iPhone running iOS 14.6 or later:

  1. Open the Wallet app and tap your Apple Card.
  2. Tap the more (…) button.
  3. Tap Share My Card, then tap Continue.
  4. Select a member of your Family Sharing group. If you need to add a new member, tap Invite Someone.
  5. If you want to make this person a co-owner, tap Become Co-Owner. If you just want to share your Apple Card, tap Add as Participant.
  6. Follow the instructions onscreen and provide the requested information.
  7. Tap Send Invitation, then authenticate with your passcode.

To set up Apple Card sharing on iPad with iPadOS 14.6 or later, open the Settings app, tap Wallet & Apple Pay, then tap Apple Card. Tap the Info tab, then follow steps three to seven above.

The person with whom you’ve shared your card will receive a notification. They can tap it to accept your sharing invitation and add the card to their Wallet. If they have been selected as a co-owner, they will need to follow the onscreen instructions to complete their Apple Card application.

Combined Apple Cards coming soon

Starting in July 2021, it will be possible for two Apple Card users to combine their cards and credit limits to form one co-owned account. We’ll have another guide on doing that when the feature rolls out.