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

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 card family
Apple announced the feature last month but didn't specifically pin a release date. Now, in a new support document, Apple says that starting later on in July, users will be able to merge two existing ‌Apple Card‌ accounts into one, and in doing so, be able to combine their credit limits.

Coming July 2021: You will be able to invite another Apple Card owner to combine credit limits and form one co-owned account.1

The ability to share an ‌Apple Card‌ with iCloud Family members above 13 years old and the ability to co-own an ‌Apple Card‌ were released today as part of the iOS 14.6 update.

Popular Stories

Apple Wallet ID Illinois

Apple Plans to Expand iPhone Driver's Licenses to These 7 U.S. States

Wednesday December 24, 2025 8:40 am PST by
In select U.S. states, residents can add their driver's license or state ID to the Apple Wallet app on the iPhone and Apple Watch, and then use it to display proof of identity or age at select airports and businesses, and in select apps. The feature is currently available in 13 U.S. states and Puerto Rico, and it is expected to launch in at least seven more in the future. To set up the...
iPhone Top Left Hole Punch Face ID Feature Purple

iPhone 18 Pro Launching Next Year With These 12 New Features

Tuesday December 23, 2025 8:36 am PST by
While the iPhone 18 Pro and iPhone 18 Pro Max are not expected to launch for another nine months, there are already plenty of rumors about the devices. Below, we have recapped 12 features rumored for the iPhone 18 Pro models. The same overall design is expected, with 6.3-inch and 6.9-inch display sizes, and a "plateau" housing three rear cameras Under-screen Face ID Front camera in...
maxresdefault

Where's the New Apple TV?

Monday December 22, 2025 11:30 am PST by
Apple hasn't updated the Apple TV 4K since 2022, and 2025 was supposed to be the year that we got a refresh. There were rumors suggesting Apple would release the new Apple TV before the end of 2025, but it looks like that's not going to happen now. Subscribe to the MacRumors YouTube channel for more videos. Bloomberg's Mark Gurman said several times across 2024 and 2025 that Apple would...
iOS 26

iOS 26.2 Adds These 8 New Features to Your iPhone

Monday December 22, 2025 8:47 am PST by
Earlier this month, Apple released iOS 26.2, following more than a month of beta testing. It is a big update, with many new features and changes for iPhones. iOS 26.2 adds a Liquid Glass slider for the Lock Screen's clock, offline lyrics in Apple Music, and more. Below, we have highlighted a total of eight new features. Liquid Glass Slider on Lock Screen A new slider in the Lock...
airpods color prototypes

Apple Tested AirPods in Bright Colors

Saturday December 27, 2025 6:06 am PST by
Apple reportedly tested a version of the first-generation AirPods with bright, iPhone 5c-like colored charging cases. The images, shared by the Apple leaker and prototype collector known as "Kosutami," claim to show first-generation AirPods prototypes with pink and yellow exterior casings. The interior of the charging case and the earbuds themselves remain white. They seem close to some...
maxresdefault

10 Mac Apps Worth Trying in 2026

Wednesday December 24, 2025 9:27 am PST by
2026 is almost upon us, and a new year is a good time to try out some new apps. We've rounded up 10 excellent Mac apps that are worth checking out. Subscribe to the MacRumors YouTube channel for more videos. Alt-Tab (Free) - Alt-Tab brings a Windows-style alt + tab thumbnail preview option to the Mac. You can see a full window preview of open apps and app windows. One Thing (Free) -...
top stories 2025 12 27

Top Stories: iPhone Fold Mockup, Where's the New Apple TV?, and More

Saturday December 27, 2025 6:00 am PST by
Merry Christmas and Happy Holidays from MacRumors! News in the Apple world has unsurprisingly been relatively slow over the past week, but Apple's upcoming foldable iPhone managed to make its way back into the news, while we also shared updates on current and future Apple TV news. iOS 26.3 will be bringing some new features, particularly for users in the EU, so we'll look for additional...

Top Rated Comments

WiseAJ Avatar
60 months ago

Apple doesn't do merging two accounts into one.
I really wish they would allow this with Apple IDs, I hate having different Store and iCloud and Apple IDs.

Just figure out how to let people merge them already. Its 2021.
Score: 7 Votes (Like | Disagree)
longofest Avatar
60 months ago
I have an Apple Card, and honestly I somewhat avoid putting stuff on it unless it is really worth the rewards (like Apple product) because of the fact it doesn't integrate with financial wellness apps, like Mint.

Support for Mint or other finanical wellness sites/apps is the enhancemnet I'm really waiting for.
Score: 6 Votes (Like | Disagree)
LeadingHeat Avatar
60 months ago
Looking forward to it. Hopefully the delay means they’re polishing out the bugs. I’d rather that it take another month or two than screw up my account/credit/etc by being done wrong.
Score: 5 Votes (Like | Disagree)
TheYayAreaLiving ?️ Avatar
60 months ago
This is getting confusing.. ugh
Score: 2 Votes (Like | Disagree)
verniesgarden Avatar
60 months ago

Yea I don’t really understand how it couldn’t be reported as a closed credit card either, unless all they do is update the account number and credit limit.

As long as closing a credit card doesn’t increase someone’s overall credit utilization, there’s really no negative consequence to closing a credit card though.
It can impact your credit history
Score: 2 Votes (Like | Disagree)
_Spinn_ Avatar
60 months ago
So does adding a co-owner who currently doesn’t have an Apple Card not increase your credit limit?

I thought you were supposed to get a combined credit limit and the lower of the 2 APRs. Is that only when both have an existing Apple Card?

Edit: So I finally got my wife's phone to update. I shared my card with her as a co-owner and she was accepted immediately. Our APR stayed the same but our credit limit did increase.
Score: 1 Votes (Like | Disagree)