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iOS 14.5 to Add Support for Joint Apple Card Accounts

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Original poster
Apr 12, 2001
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Code discovered in iOS 14.5 by MacRumors contributor Steve Moser suggests that Apple is planning to introduce a new feature that will allow for multiple people to use the same Apple Card account.

apple-card-feature2.jpg

Right now, Apple Card usage is tied to an individual and there is no option to share an account with another person, which is an oversight as some people prefer to share credit cards with spouses rather than having separate accounts.

Assets in iOS 14.5 suggest that Apple Cards will support more than one user, likely through Apple's Family Sharing feature. These assets were also highlighted by 9to5Mac. Some of the code snippets:

  • Share responsibility for all account activity, including payment of current and future balances.
  • You are now sharing Apple Card with [Person]
  • As Joint Owner, you can only invite members of your Family Sharing group.
  • Apple Card can now be shared with up to a maximum of [number] people.
  • You can only invite people over the age of 13, and on the latest version of iOS to share your Apple Card.
  • [Person] can now use your Apple Card for purchases.
  • [Person] can earn Daily Cash whenever they spend using your Apple Card.
  • [Person] can make any purchase with no limit up to your available credit.
  • [Person] can make any purchase up to a maximum transaction limit of [number].
  • You're invited to share a joint Apple Card with [Person].
  • Share Your Apple Card with eligible friends and family in your family group. Build credit together, track spending, and receive Daily Cash.
The main Apple Card account holder will be able to invite family members to use the Apple Card account, with family spending available for viewing in the Wallet app. Account holders will be able to set spending limits so all family members, including children, can use the card.

This feature does not appear to be live for Apple Card holders in the first iOS 14.5 beta as of yet, but it's likely something that we'll see introduced in a later beta or with the iOS 14.5 release coming this spring.

Article Link: iOS 14.5 to Add Support for Joint Apple Card Accounts
 
Article Link
https://www.macrumors.com/2021/02/01/apple-card-multi-user-support-ios-14-5/
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mnsportsgeek

macrumors 601
Feb 24, 2009
4,321
6,667
Too late. Should have been a launch feature. Most by now just made a 2nd account. This solution also won’t build any credit for the people using the shared card.

Not sure why a true “authorized user” function is so hard to offer when it’s standard everywhere else
 
Last edited:
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Kkspire

macrumors regular
May 19, 2016
222
674
Yes I hope so! Thank goodness, my partner is dying for a card and we do keep shared credit accounts. Been waiting to spend money on Apple Card.
 
InfiniteJoules

InfiniteJoules

macrumors 6502
Dec 12, 2017
297
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Gotham City
No joke but just about every Sunday since November 11th 2019 when Andrew Williams from Goldman’s said they were working it. I’d open up text thread with Card support and ask for an ETA.

I made myself a text expander and would send on over.

They never gave me an ETA but I’d like to think I put a tiny amount of pressure for getting it done.
 
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cknibbs

macrumors 6502
Dec 12, 2012
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I wish they would launch more of a pre-paid account, or just a cash account. I’d love to use the service for allowance for the kids, or day to day coffee budget money.
 
S

_Spinn_

macrumors 601
Nov 6, 2020
4,856
10,038
Wisconsin
My wife and I have been hoping for this for quite awhile. She's held off getting an Apple Card in the hopes that this would be coming in the future. Hopefully it will allow me to add her to my card and that it is not restricted to family members under 18 like Apple Cash. It is also great that you will be able to set spending limits for kids.

14.5 is shaping up to be a big update!
 
B

bierdybard

macrumors member
Apr 16, 2014
67
316
mnsportsgeek said:
Too late. Should have been a launch feature. Most by now just made a 2nd account. This solution also won’t build any credit for the people using the shared card.

Not sure why a true “authorized user” function is so hard to offer when it’s standard everywhere else
Click to expand...
I don't think this is necessarily the case. I know my wife and I have been holding out for this. We try and keep 1 card from each of the major networks to keep our bases covered without going completely crazy, and we didn't want to cancel our current joint MasterCard for another card we didn't both have full visibility into.
 
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ghanwani

macrumors 601
Dec 8, 2008
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The down side of a shared card is that if the primary cardholder dies, the person they are sharing the card with can no longer use that card. It's always better to just have separate accounts so each person is building their credit history independently.

It's a convenient feature if you have a family member that is not eligible to apply for their own credit card.
 
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dontwalkhand

dontwalkhand

macrumors 603
Jul 5, 2007
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Phoenix, AZ
nattK said:
I hope they don't restrict this to family members under 18 years old like Apple Cash Family. It'd be nice to share the same Apple Card account with my partner.
Click to expand...
For anyone over 18 you can just send them the money.
cknibbs said:
I wish they would launch more of a pre-paid account, or just a cash account. I’d love to use the service for allowance for the kids, or day to day coffee budget money.
Click to expand...
You mean like Apple Cash?
 
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itsmeaustend

itsmeaustend

Suspended
Apr 27, 2016
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samelot628 said:
What is described here sounds more like "authorized user" than "joint".
Click to expand...
Not even close. Authorized users don’t “share responsibility” or “build credit together”.

did you read the article?
 
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