Apple Card enables couples to co-own a single Apple Card, allowing them to build their credit score together. The process is similar to sharing an Apple Card with your teenager or friend but requires that you share your spouse's annual income.
As co-owners, remember that the both of you share responsibility for all account activity, including the payment of balances.
The process for sharing an Apple Card with a significant other is enabled on iPhones running iOS 14.6 or later and requires that you are in the same iCloud Family as the person you wish to co-own the Apple Card with.
The following steps guide you through the process of adding a co-owner to your Apple Card.
- Launch the Wallet app on your iPhone.
- Tap your Apple Card.
- Tap the black ellipsis button (the three encircled dots) in the top-right corner of the screen.
- Under "People," tap Share My Card.
- Tap Continue and choose a person from your Family Sharing group. (If the person you want to share your card with isn't on the list, tap Invite People to Family Sharing.)
- Tap Become Co-Owners.
- Input your estimated annual income (take into account all sources of income including shared income not earned by you) then tap Next.
- Tap Send Invitation.
Wait for the person to accept your invite and fill out some basic information to apply. Once they've done so, you can both start building credit on your shared Apple Card.
Apple also allows Apple Card owners to share their card with people in their Family Sharing Group and set a transaction limit.