iOS 14.5 to Add Support for Joint Apple Card Accounts

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
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.

Related Forum: iOS 14

Popular Stories

iPhone 17 Pro in Hand Feature Lowgo

iPhone 17 Pro Coming Soon With These 14 New Features

Friday July 4, 2025 1:05 pm PDT by
Apple's next-generation iPhone 17 Pro and iPhone 17 Pro Max are just over two months away, and there are plenty of rumors about the devices. Below, we recap key changes rumored for the iPhone 17 Pro models. Latest Rumors These rumors surfaced in June and July:Apple logo repositioned: Apple's logo may have a lower position on the back of the iPhone 17 Pro models, compared to previous...
iphone 16 pro models 1

Here's How the iPhone 17 Pro Max Will Compare to the iPhone 17 Pro

Saturday July 5, 2025 1:00 pm PDT by
Apple should unveil the iPhone 17 series in September, and there might be one bigger difference between the Pro and Pro Max models this year. As always, the Pro Max model will be larger than the Pro model:iPhone 17 Pro: 6.3-inch display iPhone 17 Pro Max: 6.9-inch displayGiven the Pro Max is physically larger than the Pro, it has more internal space, allowing for a larger battery and...
iPhone Car Key Kia

Here's Which Vehicles Offer iPhone Car Keys

Sunday July 6, 2025 3:03 pm PDT by
In 2020, Apple added a digital car key feature to its Wallet app, allowing users to lock, unlock, and start a compatible vehicle with an iPhone or Apple Watch. The feature is currently offered by select automakers, including Audi, BMW, Hyundai, Kia, Genesis, Mercedes-Benz, Volvo, and a handful of others, and it is set to expand further. Apple has a web page with a list of vehicle models that ...
imac video apple feature

Apple Launching These 15+ Products Later This Year

Sunday July 6, 2025 8:05 am PDT by
The calendar has turned to July, meaning that 2025 is now more than half over. And while the summer months are often quiet for Apple, the company still has more than a dozen products coming later this year, according to rumors. Below, we have outlined at least 15 new Apple products that are expected to launch later this year, along with key rumored features for each. iPhone 17 Series iPho...
iOS 26 Feature

Everything New in iOS 26 Beta 3

Monday July 7, 2025 1:20 pm PDT by
Apple is continuing to refine and update iOS 26, and beta three features smaller changes than we saw in beta 2, plus further tweaks to the Liquid Glass design. Apple is gearing up for the next phase of beta testing, and the company has promised that a public beta is set to come out in July. Transparency In some apps like Apple Music, Podcasts, and the App Store, Apple has toned down the...
iPhone 17 Pro in Hand Feature Lowgo

iPhone 17 Pro to Reverse iPhone X Design Decision

Monday July 7, 2025 9:46 am PDT by
Since the iPhone X in 2017, all of Apple's highest-end iPhone models have featured either stainless steel or titanium frames, but it has now been rumored that this design decision will be coming to an end with the iPhone 17 Pro models later this year. In a post on Chinese social media platform Weibo today, the account Instant Digital said that the iPhone 17 Pro models will have an aluminum...
iphone 17 pro render majin bu

New iPhone 17 Pro Renders Highlight Apple Logo and MagSafe Design Changes

Sunday July 6, 2025 8:43 pm PDT by
New renders today provide the best look yet relocated Apple logo and redesigned MagSafe magnet array of the iPhone 17 Pro and iPhone 17 Pro Max. Image via Majin Bu. Several of the design changes coming to the iPhone 17 Pro model have been rumored for some time, such as the elongated camera bump that spans the full width of the device, with the LiDAR Scanner and flash moving to the right side. ...
Prime Day 25 Feature Warm Triad

The Best Early Prime Day Deals on Apple Products

Saturday July 5, 2025 7:22 am PDT by
Amazon is soon to be back with its annual summertime Prime Day event, lasting for four days from July 8-11, the longest Prime Day yet. As it does every year, Prime Day offers shoppers a huge selection of deals across Amazon's storefront, and there are already many deals you can get on sale ahead of the event. Note: MacRumors is an affiliate partner with Amazon. When you click a link and make a ...
airpods pro 2

AirPods Pro 3 to Help Maintain Apple's Place in Earbud Market Amid Increasing Low-Cost Competition

Thursday July 3, 2025 7:25 am PDT by
Apple's position as the dominant force in the global true wireless stereo (TWS) earbud market is expected to continue through 2025, according to Counterpoint Research. The forecast outlines a 3% year-over-year increase in global TWS unit shipments for 2025, signaling a transition from rapid growth to a more mature phase for the category. While Apple is set to remain the leading brand by...

Top Rated Comments

dvanwinkle Avatar
58 months ago
Oh great, now I am going to feel inclined to add my wife to my Apple Card account... Damn you Apple
Score: 13 Votes (Like | Disagree)
InfiniteJoules Avatar
58 months ago
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.
Score: 12 Votes (Like | Disagree)
EmotionalSnow Avatar
58 months ago
Apple should expand Apple Card to the EU.
Score: 9 Votes (Like | Disagree)
samelot628 Avatar
58 months ago
What is described here sounds more like "authorized user" than "joint".
Score: 7 Votes (Like | Disagree)
mnsportsgeek Avatar
58 months ago
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
Score: 5 Votes (Like | Disagree)
Bazooka-joe Avatar
58 months ago
Ha....and we sit here in the U.K. still waiting for this service to be rolled out
Score: 5 Votes (Like | Disagree)