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.

Top Rated Comments

WiseAJ Avatar
14 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
14 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
14 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
14 months ago
This is getting confusing.. ugh
Score: 2 Votes (Like | Disagree)
verniesgarden Avatar
14 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
14 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)

Related Stories

apple card family promo

Apple Card Promo Offers $10 Daily Cash for Adding New Family Members

Thursday November 4, 2021 4:51 pm PDT by
Apple today sent out an email to Apple Card owners, encouraging them to sign up a family member using the Apple Card Family feature. New users who join an Apple Card holder's account by November 30, 2021 can receive $10 in Daily Cash after making their first purchase with Apple Card within 30 days of signing up. Introduced earlier this year, Apple Card Family is designed to allow up to...
apple card discounts

Apple Promoting Exclusive Deals for Apple Card Users in the Wallet App

Wednesday August 4, 2021 6:13 pm PDT by
Apple this week began highlighting exclusive offers that are available for Apple Card holders, with the offerings presented right in the Wallet app when accessing the Apple Card. As noted by Bloomberg's Mark Gurman, Apple is offering Apple Card users free access to Apple News+ and unlimited coffee with any order from Panera bread. Looks like Apple is planning some sort of “Offers” ...
apple card 1 iPhone 13

Some iPhone Users Experiencing Issues With Apple Card Payments [Resolved]

Monday January 31, 2022 5:58 am PST by
If you have been experiencing issues with paying off your Apple Card today, you are not alone, as complaints are starting to mount online. As noted by Aaron Zollo, host of the YouTube channel ZolloTech, some users attempting to make a payment towards their Apple Card are receiving an "Account Services Unavailable" error that says "Apple Pay services are currently unavailable." It looks ...
apple card 1

Apple Details How to Share an Apple Card and Add a Co-Owner

Monday May 24, 2021 10:22 am PDT by
Apple today released iOS 14.6, with it bringing support for Apple Podcasts subscriptions and new support for Apple Card Family. Announced last month, Apple Card Family allows families to share a single Apple Card with users above 13 years old with the ability to set a spending limit. Following its release, Apple has shared two how-to videos on how exactly to share an Apple Card with your...
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 1 iPhone 13

Problems With Your Apple Card Today? Apple Has Confirmed Ongoing Issues [Resolved]

Friday October 1, 2021 1:17 pm PDT by
If you have been experiencing issues with paying off or managing your Apple Card today, you are not alone, as Apple has confirmed ongoing issues. "Some users may not be able to apply for Apple Card, pay their bill, lock/unlock their physical card, request a new or replacement physical card, or request a new card number," reads a notice posted on Apple's system status page. The issues...
apple card 1

Apple Card to Lose Magnetic Stripe By 2029

Tuesday August 17, 2021 7:16 am PDT by
Mastercard last week announced that its cards will no longer be issued with the magnetic stripe by 2029, which will presumably include Apple Card. The magnetic stripe was an early 1960s technology that allowed card information to be encoded onto magnetic tape that is laminated to the back of a card, paving the way for electronic payment terminals and chip cards. Now, Mastercard is set to be...
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...

Popular Stories

2022 back to school apple

Apple Launches 2022 Back to School Offer: Up to $150 Gift Card With Mac or iPad

Friday June 24, 2022 5:08 am PDT by
Apple today launched its annual "Back to School" promotion for college/university students in the United States and Canada. This year's promotion offers a free Apple gift card with the purchase of an eligible Mac or iPad, rather than free AirPods like last year. Apple is also offering students 20% off AppleCare+ plans during the promotion. Apple is offering a $150 gift card with the purchase ...
airpods pro 2 1

AirPods Pro 2 Said to Feature Upgraded H1 Chip, Find My, Heart Rate Detection, USB-C and More

Friday June 24, 2022 9:48 am PDT by
The next-generation AirPods Pro could come with a long list of new features that include heart rate detection, the ability to function as a hearing aid, and a USB-C port according to a report from 52Audio. The site claims that it has received new information on the AirPods Pro 2, and it has used that information to provide some renders on what the earbuds might look like. Design wise, there...
m1 mac mini screen

Gurman: Apple Planning M2 Pro Mac Mini, New Apple TV With A14 Chip, Revamped HomePod With S8 Chip, and More

Sunday June 26, 2022 6:31 am PDT by
In the latest edition of his Power On newsletter for Bloomberg, Mark Gurman outlined additional M2 Macs on Apple's product roadmap, including new Mac mini models with M2 and M2 Pro chips, new 14-inch and 16-inch MacBook Pro models with M2 Pro and M2 Max chips, and a new Mac Pro tower with M2 Ultra and "M2 Extreme" chips. Following the M2 series of Macs, Gurman said the first M3 series of...
apple ar headset concept 1

Apple Rumored to Announce 'Game-Changer' AR/VR Headset in January 2023

Friday June 24, 2022 2:52 am PDT by
Apple is "likely" to announce its long-rumored mixed-reality headset as soon as January 2023, Apple analyst Ming-Chi Kuo has reiterated. Concept render based on purported leaked information by Ian Zelbo In a detailed post on Medium, Kuo explained that Apple's headset will be a "game-changer" for the augmented-reality and virtual-reality market. Describing some of the headset's...
widgets ios 16 feature

Gurman: iPhone 14 Pro to Feature Always-On Display Showing iOS 16's New Lock Screen Widgets

Sunday June 26, 2022 7:36 am PDT by
iPhone 14 Pro models are widely expected to feature always-on displays that allow users to view glanceable information without having to tap to wake the screen. In the latest edition of his Power On newsletter for Bloomberg, Mark Gurman said the feature will include support for iOS 16's new Lock screen widgets for weather, fitness, and more. "Like the Apple Watch, the iPhone 14 Pro will be...