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Apple Details How to Share an Apple Card and Add a Co-Owner

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Apple today released iOS 14.6, with it bringing support for Apple Podcasts subscriptions and new support for Apple Card Family. Announced last month, Apple Card Family allows families to share a single Apple Card with users above 13 years old with the ability to set a spending limit.

apple-card-1.jpg

Following its release, Apple has shared two how-to videos on how exactly to share an Apple Card with your teenager or friend and how to co-own a single Apple Card with your significant other. The process for sharing an Apple Card with a friend or teenager is enabled within the Wallet app on iOS 14.6 or later and requires that you be in an iCloud Family with the person you wish to share the card with.



Last month, Apple also announced the ability for couples to co-own a single Apple Card, allowing them to build their credit score together. The process is similar to sharing an Apple Card with your teenager or friend but requires you to share your spouse's annual income.



Apple Card Family is available today with the iOS 14.6 update.

Article Link: Apple Details How to Share an Apple Card and Add a Co-Owner
 
Article Link
https://www.macrumors.com/2021/05/24/apple-card-family-how-tos/
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Think|Different said:
So combining two active cards cancels one? Is that person’s closure than reported?
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It likely will be reported to the credit bureau. But I don’t know if there is a special code they use to document the closure where it won’t affect credit negatively.
 
KoToNaS said:
SSN required. not able to add relatives who lives outside US :(
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Are you just assuming this or did you actually try it? Because in the fine print it says may. Also in the video tutorial the Next button isn't grayed out when the SSN wasn't filled in so maybe you could just press Next and not give it?

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.
 
jerry70450 said:
Are you just assuming this or did you actually try it? Because in the fine print it says may. Also in the video tutorial the Next button isn't grayed out when the SSN wasn't filled in so maybe you could just press Next and not give it?

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.
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Will try to bypass SSN
 
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So I have 14.6 installed now but I can’t share with my wife until she gets 14.6 and her phone is currently reporting 1 hour to download. The servers must be getting slammed.
 
jerry70450 said:
If you read the support article, that feature has been delayed until July 2021. https://support.apple.com/en-ca/HT212020
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So does adding a co-owner who currently doesn’t have an Apple Card not increase your credit limit? I thought you were supposed to get a combined credit limit and the lower of the 2 APRs.

Edit: So I finally got my wife's phone to update. I shared my card with her as a co-owner and she was accepted immediately. Our APR stayed the same but our credit limit did increase.
 
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My wife and I have always used the same Apple ID - initially because there was no such thing as "Family Sharing" and later, because Family Sharing doesn't actually let you share everything (e.g. Contacts). We're happy with this arrangement. My wife has even happily been using my Apple Card with Apple Pay on her iPhone. But the one thing she grouses over is that she doesn't have a physical card. We were hoping Apple's new offering would solve this, but, alas, it doesn't appear so: Apple seems to be making these offers contingent on "Family Sharing". I tried sharing co-ownership with her and the first thing I'm told is that I need to invite her to Family Sharing :-(

Hey Apple: either make Family Sharing more complete or allow folks like us to get a second physical card!
 
twolf2919 said:
My wife and I have always used the same Apple ID - initially because there was no such thing as "Family Sharing" and later, because Family Sharing doesn't actually let you share everything (e.g. Contacts). We're happy with this arrangement. My wife has even happily been using my Apple Card with Apple Pay on her iPhone. But the one thing she grouses over is that she doesn't have a physical card. We were hoping Apple's new offering would solve this, but, alas, it doesn't appear so: Apple seems to be making these offers contingent on "Family Sharing". I tried sharing co-ownership with her and the first thing I'm told is that I need to invite her to Family Sharing :-(

Hey Apple: either make Family Sharing more complete or allow folks like us to get a second physical card!
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I’m curious why you haven’t considered creating a separate Apple ID for your wife?

Your wife would get her own physical card in a few days.
 
TheBing1980 said:
I’m curious why you haven’t considered creating a separate Apple ID for your wife?

Your wife would get her own physical card in a few days.
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As I wrote above, we're not interested in separate Apple IDs, because we'd lose some sharing we consider important but which Family Sharing doesn't allow. For instance, we can't share contacts. We can't share the music library we've accumulated over 30 years (no iTunes match either). I think (but am not sure) she would also not be able to operate our HomeKit enabled devices since those are tied to one Apple ID. If I take a picture on my iPhone, it would not automatically show up in her Photo app either, afaik. All these things we've been able to do for almost a decade. We don't want to give that up just to get a second physical card.
 
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