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

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 card savings account feature 1

Apple Card Savings Account's Interest Rate Just Went Up

Tuesday September 22, 2026 7:46 pm PDT by
The annual percentage yield (APY) for the Apple Card's savings account increased from 3.4% to 3.5% today. If you deposited $1,000 and made no withdrawals for one year, you would earn $35 in interest at the current APY. ...
iPhone Handoff Feature

Verizon Will Charge $10 a Month for iPhone Handoff

Friday October 16, 2026 4:37 pm PDT by
Verizon plans to charge customers $10 per month for the iPhone Handoff feature that Apple added in iOS 27. iPhone Handoff allows one phone number to be shared across two separate iPhones. Pricing was included in Verizon's iPhone Duo announcement today, with the carrier confirming iPhone Handoff will work with the iPhone Duo and the iPhone 18 Pro models. Verizon will support iPhone Handoff,...
Black Apple Event Logo

Apple Now Inviting Media to October 28 'Launch Experience'

Thursday October 15, 2026 4:13 am PDT by
Apple has begun inviting selected members of the media to a product launch experience in Los Angeles on Wednesday, October 28, according to Bloomberg's Mark Gurman. In a post on X, Gurman described the gathering as an "all-day product launch experience" for touchscreen MacBooks, a new iPad mini, and Macs equipped with M6 chips. Gurman previously reported that Apple would introduce the...

Top Rated Comments

WiseAJ Avatar
71 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
71 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
71 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)
verniesgarden Avatar
71 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)
TheYayAreaLiving 🎗️ Avatar
71 months ago
This is getting confusing.. ugh
Score: 2 Votes (Like | Disagree)
poseidondev Avatar
71 months ago

It can impact your credit history
It's a misconception that your credit history is impacted just by virtue of closing a card.
The reason why credit scores go down when closing a card has to do with two separate factors; utilization and average credit age.

I've gone into detail when the matter got brought up the last time. See my post below

https://forums.macrumors.com/threads/apple-shares-details-on-how-apple-card-family-works.2295142/post-29863277
Score: 1 Votes (Like | Disagree)
Latest Stories
Apple Hires Former Meta Lawyer to Oversee Global Litigation
Apple Hires Former Meta Lawyer to Oversee Global Litigation
1 hour ago
Top Stories: Apple HomeView, New Apple TV and HomePod mini, and Sold-Out iPhone Duo
Top Stories: Apple HomeView, New Apple TV and HomePod mini, and Sold-Out iPhone Duo
9 hours ago
Verizon Will Charge $10 a Month for iPhone Handoff
Verizon Will Charge $10 a Month for iPhone Handoff
22 hours ago
Apple Calls iPhone Duo Demand 'Extraordinary' After Orders Slip to 2027
Apple Calls iPhone Duo Demand 'Extraordinary' After Orders Slip to 2027
23 hours ago
New App Store Rules Target AI Deepfakes and Nudify Apps
New App Store Rules Target AI Deepfakes and Nudify Apps
23 hours ago
Didn't Pre-Order Apple's HomeView? Here's How Long the Wait is Now
Didn't Pre-Order Apple's HomeView? Here's How Long the Wait is Now
1 day ago
Apple's $79 iPhone Duo Case Sticks On With Adhesive
Apple's $79 iPhone Duo Case Sticks On With Adhesive
1 day ago
Apple TV 4K and HomePod Mini Price Increases 'Much More Striking' Than New Features
Apple TV 4K and HomePod Mini Price Increases 'Much More Striking' Than New Features
1 day ago
The MacRumors Show: Was HomeView Worth the Wait?
The MacRumors Show: Was HomeView Worth the Wait?
1 day ago
Apple Refers to HomeView as 'HomePodDevice' in Legal Document
Apple Refers to HomeView as 'HomePodDevice' in Legal Document
1 day ago
Apple Pre-Orders Kick Off With First Discounts on HomeView and Apple TV 4K
Apple Pre-Orders Kick Off With First Discounts on HomeView and Apple TV 4K
1 day ago
Developers Question Scope of Potential Apple Antitrust Settlement
Developers Question Scope of Potential Apple Antitrust Settlement
1 day ago
iPhone Duo Resold for $5,000 on eBay After Selling Out
iPhone Duo Resold for $5,000 on eBay After Selling Out
1 day ago
Massive Discounts Hit 2026 MacBook Pro With Up to $800 Off
Massive Discounts Hit 2026 MacBook Pro With Up to $800 Off
1 day ago
iPhone Duo is Sold Out for Christmas as Shipping Estimates Slip to 2027
iPhone Duo is Sold Out for Christmas as Shipping Estimates Slip to 2027
1 day ago
Didn't Pre-Order an iPhone Duo Yet? Wait Times Are Significant Now
Didn't Pre-Order an iPhone Duo Yet? Wait Times Are Significant Now
1 day ago
First Apple TV 4K Pre-Order Discount Arrives at Amazon
First Apple TV 4K Pre-Order Discount Arrives at Amazon
1 day ago
iPhone Duo Pre-Order Deals: The Best Carrier Offers From AT&T and T-Mobile
iPhone Duo Pre-Order Deals: The Best Carrier Offers From AT&T and T-Mobile
1 day ago
iPhone Duo Now Available to Pre-Order From Apple
iPhone Duo Now Available to Pre-Order From Apple
1 day ago
iPhone 18 Pro vs. iPhone Duo Buyer's Guide: Which Should You Choose?
iPhone 18 Pro vs. iPhone Duo Buyer's Guide: Which Should You Choose?
2 days ago
Apple Store Down Ahead of iPhone Duo Pre-Orders
Apple Store Down Ahead of iPhone Duo Pre-Orders
2 days ago
Oops, Apple's Website Just Hinted at iPad Mini 8
Oops, Apple's Website Just Hinted at iPad Mini 8
2 days ago
OLED MacBook Pro Won't Get M7 Chips Until Late 2027
OLED MacBook Pro Won't Get M7 Chips Until Late 2027
2 days ago
Apple Pledged $25 Million to Trump's White House Ballroom
Apple Pledged $25 Million to Trump's White House Ballroom
2 days ago
Touchscreen MacBook Pro Could Launch on November 6
Touchscreen MacBook Pro Could Launch on November 6
2 days ago
New Withings Users Must Pay $99/Year for Apple Health Syncing
New Withings Users Must Pay $99/Year for Apple Health Syncing
2 days ago
Meta and Apple Bring Muse Spark Open AI Model to Mac Studio
Meta and Apple Bring Muse Spark Open AI Model to Mac Studio
2 days ago
iPad Mini 8: Apple Has Tested Both 60Hz and 120Hz ProMotion Displays
iPad Mini 8: Apple Has Tested Both 60Hz and 120Hz ProMotion Displays
2 days ago
Apple TV 4K 2022 vs. 2026 Buyer's Guide: All Differences Compared
Apple TV 4K 2022 vs. 2026 Buyer's Guide: All Differences Compared
2 days ago
Apple CEO John Ternus on Early Foldables: 'Kind of Cheap and Crappy'
Apple CEO John Ternus on Early Foldables: 'Kind of Cheap and Crappy'
2 days ago