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

Top Rated Comments

dvanwinkle Avatar
13 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
13 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
13 months ago
Apple should expand Apple Card to the EU.
Score: 9 Votes (Like | Disagree)
scoskey Avatar
13 months ago
What is described here sounds more like "authorized user" than "joint".
Score: 7 Votes (Like | Disagree)
mnsportsgeek Avatar
13 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
13 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)

Related Stories

apple card apply on web

You Can Now Apply for Apple Card on the Web

Tuesday November 17, 2020 7:45 am PST by
Last week, Apple rolled out the ability to apply for the Apple Card on the web in the United States, providing customers with another option beyond the Wallet app on the iPhone to get approved for the company's credit card. To begin, head to the Apple Card application page on the web, click or tap on the "Apply Now" button, and follow the on-screen instructions. As usual, the process takes...
apple card family

PSA: Apple Card Owners Won’t Be Able to Combine Existing Accounts Until July

Monday May 24, 2021 10:51 am PDT by
Following its announcement last month, Apple today officially flipped the switch to allow parents to share their Apple Card with their teenagers or friends and the ability for spouses to co-own a single Apple Card account. However, one notable feature that didn't get released today is the ability for two separate Apple Card accounts to be merged into one. Apple announced the feature last...
apple card feature2

Apple Card Beginning to Show Up on Equifax Credit Reports

Monday August 17, 2020 6:30 am PDT by
Apple Card is starting to show up on Equifax credit reports, but not yet for all users, according to a Reddit discussion today. Apple Card info is now being reported to all three major credit bureaus in the United States, with the other two being Experian and TransUnion. As with any credit card, Apple Card usage can positively or negatively one's credit score based on factors such as payment ...
14

Apple Seeds Second iOS and iPadOS 14.6 Release Candidate to Developers

Friday May 21, 2021 10:24 am PDT by
Apple today seeded second release candidate versions of iOS and iPadOS 14.6 to developers for testing purposes, with the new software coming five days after Apple seeded the first release candidates. iOS and iPadOS 14.6 can be downloaded through the Apple Developer Center or over the air after the proper profile has been installed on an iPhone or iPad. iOS and iPadOS 14.6 add support for A...
apple card 1

Apple Card Outage Persists for Several Hours [Resolved]

Wednesday June 2, 2021 10:06 am PDT by
If your Apple Card has not been working today, you are not alone. Apple's credit card has been suffering from a widespread outage that has persisted for several hours, according to Apple's system status page. "Users may not be able to manage their Apple Card, make payments, and may not see recent transactions," the page reads. Launched in the United States in August 2019, the Apple Card's ...
apple card 1

Investigation Clears Goldman Sachs of Apple Card Gender Bias

Tuesday March 23, 2021 8:54 am PDT by
Goldman Sachs has been cleared of gender bias and discriminatory lending decisions related to Apple Card, according to the findings of New York's financial regulator (via Bloomberg). Goldman Sachs did not use discriminatory practices when deciding whether to extend credit to prospective Apple Card customers, the New York State Department of Financial Services has said. It also found no...
apple card family

Apple Shares Details on How Apple Card Family Works

Thursday May 6, 2021 6:01 pm PDT by
Apple introduced the new Apple Card Family feature at its April event, unveiling the new functionality that will let two people share an Apple Card and build credit together and that will also let children use a family Apple Card for purchases. Ahead of the Apple Card Family launch, Apple has shared some specifics on how it will work in a new support document. For account co-owners, each...
apple card 1

New Apple Card Customers Can Get 6% Daily Cash on Apple Purchases in March

Tuesday March 2, 2021 6:48 am PST by
Apple is offering new Apple Card customers 6% Daily Cash Back for purchases made from Apple for the month of March. The new promotion is somewhat limited in scope, as it's only valid for Apple Card users who open an account during March. Typically, customers receive 3% Daily Cash Back for purchases made from Apple. The promotion does not apply to purchases made through the Apple Card...

Popular Stories

AirPods Pro Gen 3 Mock Feature Red

AirPods Pro 2 Could Start a New Accessory Ecosystem

Friday January 14, 2022 2:34 am PST by
Apple's second-generation AirPods Pro could arrive alongside a new series of accessories, recent leaked images suggest. Alleged leaked photos of the next-generation AirPods Pro obtained by MacRumors showed a charging case with a metal loop on the side for attaching a strap. Apple has not used this design for any of its other AirPod models and it is unclear why it would be added in this...
netflix2

Netflix Again Raises Prices for All Plans, 4K Streaming Now $20 Per Month

Friday January 14, 2022 12:46 pm PST by
Netflix today updated the prices for its streaming plans, and all of its offerings are now more expensive. The Basic plan is now priced at $9.99 per month, the Standard plan is priced at $15.49 per month, and the Premium plan is priced at $19.99 per month. The Basic plan is $1 more expensive, up from $8.99 per month. This plan allows users to watch on just one screen at a time, and it limits ...
iPhone 14 Mock pill and hole 16x9 120hz

Analyst: All iPhone 14 Models to Feature 120Hz Displays, 6GB of RAM, and More

Friday January 14, 2022 7:02 am PST by
Apple is rumored to announce four new iPhone 14 models in September, and ahead of time, analyst Jeff Pu has outlined his expectations for the devices. In a research note with Haitong International Securities, obtained by MacRumors, Pu claimed that all iPhone 14 models will feature ProMotion displays, compared to only Pro models currently. ProMotion enables a variable refresh rate up to 120Hz ...
Unlikely Products 2022 Feature

Six Rumored Apple Products You're Unlikely to See This Year

Saturday January 15, 2022 2:06 pm PST by
Much has been said about what consumers could see from Apple in 2022, but the company is also working on a handful of rumored products that aren't expected to be unveiled for at least another 12 months, and in some cases a lot longer. Of course, that's assuming they get released at all. Apple works on many potential products some of which ultimately never see the light of day. With that in...
top stories 20220115

Top Stories: iPhone 14 Pro Rumors, iCloud Private Relay Controversy, iOS 15.2.1 Released, and More

Saturday January 15, 2022 6:00 am PST by
Hole-punch? Pill? Hole-punch and pill? Rumors about what the front camera system on the iPhone 14 Pro will look like are evolving rapidly, and it now appears we might be getting a novel but potentially controversial design later this year. Other major stories this week included some confusion and controversy about iCloud Private Relay being disabled for some T-Mobile customers, increasing...
iPhone 14 Mock pill and hole thumb

ProMotion Now Expected to Remain Exclusive to iPhone 14 Pro Models, Not Expand to Entire Lineup

Sunday January 16, 2022 8:56 am PST by
Continuing the tradition set with the iPhone 13 Pro, only the highest-end iPhone 14 models will feature Apple's ProMotion display technology, according to a respected display analyst. Ross Young, who on multiple occasions has detailed accurate information about Apple's future products, said in a tweet that ProMotion will not be expanded to the entire iPhone 14 lineup and will remain...
iPad Pro Big Ol Logo Orange

Next iPad Pro Might Feature Large Glass Apple Logo to Allow Wireless Charging

Friday January 14, 2022 10:44 am PST by
Bloomberg's Mark Gurman and Debby Wu last year reported that Apple had tested a new iPad Pro with a glass back for wireless charging capabilities. In a recent edition of his newsletter, Gurman said he expects the new iPad Pro to be released in 2022. While the new iPad Pro is still on track to feature wireless charging, 9to5Mac's Filipe Espósito today reported that Apple may have ultimately...
ipad air 4 video

New iPad Air Rumored to Launch This Spring With A15 Chip, 5G, Center Stage Camera, and More

Saturday January 15, 2022 8:05 pm PST by
Apple is planning to release a fifth-generation iPad Air with similar features as the sixth-generation iPad mini, including an A15 Bionic chip, 12-megapixel Ultra Wide front camera with Center Stage support, 5G for cellular models, and Quad-LED True Tone flash, according to Japanese blog Mac Otakara. Citing reliables sources in China, the report claims that the new iPad Air could be...