First, make sure whoever you’re sharing your account with is part of your family sharing group. If you don’t have Family Sharing set up, you can go to “Settings” on your iOS device, tap “Family Sharing,” then “Add member,” and then follow the instructions to invite your family member via email or iMessage.
Next, you’ll need to decide if you want to add a “Co-Owner” or a “Participant.” Co-owners will share and build credit in addition to making payments, while participants can use the card for purchases but won’t have full authority over payments, the ability to build credit, or have access to full account information.
- Share responsibility for balance and payments, even if one account co-owner does not pay.
- Build credit together and equally, which means each owner will have credit reported in their own name.
- Use their Apple Card to receive unlimited Daily Cash back on their transactions.
- Add or remove participants and order an Apple Card for participants who are under 18-years-old.
- View participant activity and account co-owner activity.
- Set transaction limits for participants, lock a participant's ability to spend, and receive notifications on participants’ spending.
- Request a credit limit increase.
- Not responsible for payments.
- View their own transactions and information.
- Spend up to the credit limit on the account but may have an optional transaction limit set by account owner or co-owner.
- Immediately use their shared Apple Card and get unlimited Daily Cash on all transactions.
- If they're 18 years or older, they can order their own titanium Apple Card.
- If they're 18 years or older, they can opt-in to build their credit and be reported on the account.