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

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Top Rated Comments

dvanwinkle Avatar
44 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
44 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
44 months ago
Apple should expand Apple Card to the EU.
Score: 9 Votes (Like | Disagree)
samelot628 Avatar
44 months ago
What is described here sounds more like "authorized user" than "joint".
Score: 7 Votes (Like | Disagree)
mnsportsgeek Avatar
44 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
44 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)