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
20 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
20 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
20 months ago
Apple should expand Apple Card to the EU.
Score: 9 Votes (Like | Disagree)
samelot628 Avatar
20 months ago
What is described here sounds more like "authorized user" than "joint".
Score: 7 Votes (Like | Disagree)
mnsportsgeek Avatar
20 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
20 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 feature2

Apple Card Rumored to Face 'Oppo Card' Competitor

Thursday July 1, 2021 5:23 am PDT by
The Chinese smartphone maker Oppo appears to be preparing "Oppo Card" as a rival to Apple Card, following similar moves by Apple competitors Google, Samsung, and Huawei. According to Chinese trademark filings seen by DroidMaze, Oppo has filed to trademark "Oppo Card." The trademark is filed under international classifications, meaning that the company hopes to use the "Oppo Card" brand...
apple card feature2

Vivo Joins Android Brands Looking to Compete With Apple Card

Wednesday August 4, 2021 5:53 am PDT by
Chinese smartphone maker Vivo appears to be preparing "VivoCard" as a rival to Apple Card, following similar moves by Apple competitors Google, Samsung, Huawei, and Oppo. According to Chinese trademark filings from late last month seen by DroidMaze, Vivo is attempting to trademark "VivoCard." The trademark is filed under international classifications, meaning that the company hopes to use...
apple card feature2

Apple Card Gains Advanced Fraud Protection in iOS 15

Monday September 20, 2021 4:06 pm PDT by
Starting with iOS 15, Apple Card owners can take advantage of a new Advanced Fraud Protection feature that is designed to keep Apple Card information more secure by changing the three-digit security code associated with the card on a regular basis. When enabled, Advanced Fraud Protection will cause the three digit security code used for making purchases online to change every so often, which ...
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

Apple Card Ranked Top for Customer Satisfaction by J.D. Power

Thursday August 19, 2021 5:39 am PDT by
Apple today highlighted that the Apple Card and Goldman Sachs has been ranked top for customer satisfaction in the midsized issuer credit card segment, according to J.D. Power. The J.D. Power 2021 U.S. Credit Card Satisfaction Study showed that the Apple Card ranked highest with a score of 864.1, across all of the surveyed categories including interaction, credit card terms, communication,...
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...
credit kudos apple

Apple Acquires UK Banking Startup in Potential Hint at International Apple Card Launch

Wednesday March 23, 2022 5:12 am PDT by
Apple has acquired Credit Kudos, a UK open banking startup that seeks to help lenders make better decisions (via The Block). Credit Kudos offers insights and scores based on loan applications drawn from transaction and loan outcome banking data, sourced by the UK's open banking framework. The company's API offers lenders a way to get faster, automated decision-making about loans with reduced ...
14

Apple Seeds iOS and iPadOS 14.6 Release Candidate to Developers

Monday May 17, 2021 10:10 am PDT by
Apple today seeded release candidate versions of iOS and iPadOS 14.6 to developers for testing purposes, with the new software coming one week after Apple seeded the third iOS and iPadOS 14.6 updates. 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 ...

Popular Stories

iPhone 14 Pro Purple Rear Flat MacRumors Exclusive

iPhone 14 Pro Predicted to Start With Increased 256GB Storage Alongside Rumored Price Increase

Wednesday August 10, 2022 11:14 am PDT by
Earlier today, analyst Ming-Chi Kuo claimed iPhone 14 Pro models will be more expensive than iPhone 13 Pro models. Kuo did not reveal exact pricing, but he said that the average selling price of all four iPhone 14 models will increase by about 15% overall. While higher prices would be disappointing for customers, it is possible the iPhone 14 Pro and iPhone 14 Pro Max will offer increased...
iOS 16 battery percentage

Apple Limiting iOS 16 Beta 5 Battery Percentage Display to Select iPhones: Here Are the Supported Devices

Tuesday August 9, 2022 2:51 am PDT by
Apple this week brought back one of the most highly requested features from iOS users since the launch of the iPhone X in 2017: the ability to see your battery percentage directly in the status bar. Ever since the launch of the iPhone X with the notch, Apple has not allowed users to show their battery percentage directly in the status bar, forcing them to swipe down into Control Center to...
iPhone 14 Pro Lineup Feature Silver

Kuo: Apple to Increase Prices of iPhone 14 Pro Models

Wednesday August 10, 2022 8:22 am PDT by
Apple plans to increase the prices of iPhone 14 Pro models compared to iPhone 13 Pro models, according to analyst Ming-Chi Kuo. Kuo did not reveal exact pricing for the iPhone 14 Pro models. However, in a tweet today, he estimated that the average selling price of the iPhone 14 lineup as a whole will increase by about 15% compared to the iPhone 13 lineup. In the United States, the iPhone...
ios 16 beta 5 battery percent

iOS 16 Beta 5: Battery Percentage Now Displayed in iPhone Status Bar

Monday August 8, 2022 10:43 am PDT by
With the fifth beta of iOS 16, Apple has updated the battery icon on iPhones with Face ID to display the specific battery percentage rather than just a visual representation of battery level. The new battery indicator is available on iPhone 12 and iPhone 13 models, with the exception of the 5.4-inch iPhone 12/13 mini. It is also available on the iPhone 11 Pro and Pro Max, XS and XS Max, and...
battery percentage ios 16

Here's Why the iPhone Battery Status Icon in iOS 16 Is So Controversial

Wednesday August 10, 2022 4:34 am PDT by
In the latest iOS 16 beta, Apple has updated the status bar battery icon on iPhones with Face ID to display the exact percentage remaining rather than just a visual representation of battery level, and while the change has been largely welcomed, some users are unhappy with the way it has been implemented. In iOS 15 and earlier, battery percent has not been present on iPhones that have...
iPhone 14 Pro Purple Front and Back MacRumors Exclusive feature

iPhone 14 Is Just a Few Weeks Away: Three Tips to Prepare for the New iPhone

Wednesday August 10, 2022 4:08 am PDT by
The launch of the new iPhone 14 is just a few weeks away, meaning millions of iPhone customers will soon upgrade their existing iPhone or perhaps get an iPhone for the first time. Exclusive MacRumors iPhone 14 Pro renders by graphic designer Ian Zelbo Whether upgrading from an older model or this is your first iPhone, we've rounded up a few tips to help you prepare for the next flagship...
iPhone 14 Lineup Feature Purple

Color Options for All iPhone 14 Models: Everything We Know

Monday August 8, 2022 3:59 am PDT by
The iPhone 14 and iPhone 14 Pro models are rumored to be available in a refreshed range of color options, including an all-new purple color. Most expectations about the iPhone 14 lineup's color options come from an unverified post on Chinese social media site Weibo earlier this year. Overall, the iPhone 14 and iPhone 14 Pro's selection of color options could look fairly similar to those of the ...