Apple Card Family is a great way to pool money and share purchases with your family members, while also getting access to Apple’s rewards and financing tools. When setting up an Apple Card Family, you can add additional cardholders onto your Apple Card account, so they can also make purchases via their family cards.
It’s easy to set up an Apple Card Family; you only need two compatible iPhones or iPads with two-factor authentication enabled. Once set up, you can manage spending limits for each family member and make payments from your primary cardholder’s account. Here’s how to get started:
Step 1: On your iPhone or iPad, open the Wallet app and select Apple Card > Set Up Family > Get Started
Step 2: Tap CARDHOLDER or Add Additional Members and sign in with the primary cardholder’s iCloud credentials
Step 3: Confirm your address and financial information when prompted
Step 4: For each additional family member under 18 years old (or 21 years old in some countries), choose Guardian/Full Access
Step 5: For adult family members, use Standard Access
Step 6: Set up spending limits for each member of the family in Wallet > tap Primary Account Holder > Manage Spending Limits
Step 7: Once your settings are complete, tap DONE on the bottom right of the screen
Now that you’ve successfully set up an Apple Card Family account, it’s time to use it! You can access all the features outlined above through Wallet App for easy payment management and tracking. Happy shopping!
Set up Apple Card Family and add a co-owner and participants
Apple Card Family is a new feature that allows shareholders to share features like one Apple Card, shared credit limits, and more. It’s a great option if you’re sharing expenses with your family or friends. This guide will show you how to sign up for Apple Card Family and how to add a co-owner and participants. Let’s get started.
Create an Apple ID
Creating an Apple ID is the first step of setting up Apple Card Family. With a single Apple ID, up to five other people in your family can access shared features such as the App Store and iTunes Store, iCloud, iMessage, and more. Additionally, each person in your family can have their Apple ID account with their content, apps and purchases.
Here’s how to create an Apple ID for your family members:
1. Open Settings on each of your family members’ devices.
2. Tap Sign in to Your [Device].
3. Select Create a new Apple ID.
4. Enter the required information—name, birthdate, email address, and password—then tap Next.
5. Verify that the email address is correct by entering the six-digit verification code sent to it.
6. Once verified successfully, you will be asked to provide a payment method for making iTunes & App stores purchases; you can choose none if desired (only needed for age 13+).
7. Finally review Apple’s terms and conditions then agree if accepted by tapping Agree in the upper right corner of the screen.
Download the Apple Wallet App
You’ll need to download the Apple Wallet app to get started with Apple Card Family. Available on all iPhones running iOS 12 or later, the Wallet app is your hub for managing Apple Cards and all other payment methods in one place.
Once you download the app, you can activate Apple Card with your iCloud account. You will then be able to add up to five eligible family members so they can access their own virtual Apple Card while still using the convenience and security features of Family Sharing.
To add a family member:
1. Tap “Family Sharing” in the Settings menu within the Wallet App.
2. Choose “Invite Family Member” from the list of options.
3. Enter your family member’s iCloud email address or phone number associated with their Apple ID when prompted, then tap “Send Invite” at the bottom of the screen—once accepted by that family member, their device will appear listed in Settings under Family Sharing where you can view their current card status anytime.
4. Once you receive confirmation that your family member has accepted the invitation, select their name from the list within settings, tap again to view their card activity, and set up additional controls—like enabling spending limits as desired for each cardholder—as desired for each particular cardholder.

Sign Up for Apple Card Family
Apple Card Family offers a straightforward and secure way for multiple Apple Card users to share, manage and track their spending with the help of Family Sharing. It is a setup in the Wallet app that allows you to add up to five family members and all get their own Apple Card account. In addition, with every purchase, every cardholder accumulates Daily Cash rewards which can be redeemed as cash back in the Wallet app.
If you already have your own Apple Card, follow these simple steps to set up Apple Card Family:
1. Launch the Wallet app on your iPhone.
2. Tap on your existing Apple Card in the top right corner of the dashboard page and select ‘Set Up Apple Card Family’ from the menu options.
3. Enter your two factor authentication code (sent via SMS) if prompted to do so.
4. Select who you would like to add as fellow members of your family by tapping on their contact details from your address book or by selecting Create New Family Member via email or phone number input field (Note: A unique code is sent via mail or text message for new family member addition).
5. Review information about purchase limits for each cardholder and payment terms and conditions before accepting it by tapping Agree once ready.
6. Finally tap Done when prompted and you have now successfully set up an Apple Card Family!
Now, each family member has been personalised with his/her virtual card stored safely within an encrypted secure element known as Secure Element Chipset (SE Chipset) inside iPhones utilising Secure Enclave technology which encrypts data stored locally in order access it securely across devices when synced with iCloud service while merging purchases of other members into one single statement per month.
Add a Co-Owner
Setting up an Apple Card family can be a great way to share purchases, build credit together, and split payments among family members. The first step to setting up the card is to add a co-owner. Doing this will give the co-owner access to the card, and they can make purchases, manage the account, and add other participants to the family.
We’ll cover the steps to do this in the following sections.

Invite a Co-Owner
Adding a co-owner allows both people on the card to see, manage and spend from the same Apple Card account. Whenever someone purchases with Apple Card, both co-owners can view and manage it in their Wallet app.
To add a co-owner to your Apple Card:
1. Open Wallet, then tap the card.
2. Tap “Add Co-Owner”
3. Enter the name of your co-owner
4. Follow the steps to add your co-owner’s information
5. When prompted, log in to iCloud and securely send an invitation to complete this setup process.
6. After your invitation is accepted, both you and your co-owner will see each other on the Account activity page in Wallet
7. When complete, you and your co-owner will be joint owners of the same card and each have full access to view all shared account activity and make payments and transfers from shared balance
8. You can revise any of these settings whenever you like by tapping Settings icon on the Account activity page in Wallet or going into System preferences > Internet Accounts > iCloud
Accepting an Invitation
You’ll receive a notification when another family member sends you an invitation to join the Apple Card Family. First, open the Wallet app, tap your Apple Card, then tap on Apple Card Family and select “Accept Invitation.” Next, select the card you want to link to the family if multiple cards from different issuers are linked to your wallet.
When you accept your invitation, your co-owner will provide a unique access code for additional security or use Touch ID or Face ID. Enter the access code or use Touch ID or Face ID now. When finished, you can share expenses and manage purchases with other family members in real time. You can also receive push notifications, review spending patterns with an easy-to-follow graph on each of your devices, and even request money from other group members via Messages in iMessage.
On top of that, you’ll be able to set individual spending limits and view account statuses side by side. By taking advantage of Apple Card Family’s features, you can save money and help manage expenses more effectively as a family!
Set Up Co-Owner Profile
You can easily add one or more co-owners to an Apple Card Family. This allows for shared accountability for any purchases made with the card. It also adds increased flexibility in the event of changes to your circumstances, such as a partner’s death, marriage, or remarriage.
To set up a co-owner profile:
- On your Apple Card Family home page, select “Settings” and then tap “Add Co-Owner”.
- On the next page you will be asked to enter your co-owner’s contact information and create a separate Apple ID if necessary.
- Once you have verified that all information is correct and entered any additional optional details (such as birthdate), select “Next” to complete the process.
- You may need to verify both the primary cardholder’s and the new co-owner’s identities using two-factor authentication or biometric security measures such as Face or Touch ID depending on your device model or operating system version.
- The new co-owner can now view spending by category on their own Apple Card account and set up payment methods as needed with their contact information, even if it is different than yours (for example if they live in another state).
- When making purchases both owners will incur notifications in real time related to authorizations and fulfillment of respective payments along with any other notifications desired when either party sets them up within their respective settings preferences menu selection from within the app itself available from other location on this page towards bottom of left corner once clicked into relevant tab provided respectively herein above on main cloud based platform specific dashboard interface selecting from various options you can choose normally located over along top choice once it appears upon screen for review before finalization occur regarding changes made herein just mentioned after having made all relevant adjustments presented accordingly upon return regarding said editing changes in accordance accordingly subjectively depending purely on exact accuracy therein associated when initially creating either one exclusively per relative category selected objectively individually during prior set up imperative authentication pathway taken during prior integration sequence which should be mindful service agreement requires always keeping records kept active whether delete or not permanently save always designate at least minimum three backup copies incase disappear without warning totally not essential but precautionary measure itself just simply means goes without saying never underestimate power higher level data entry position could potentially occur implications serious nature particular instance warranting objective important signify service agreement lack proper encryption code verification serious related check first actual before authenticate manage due diligence highly recommend procedure know exactly where all files currently reside determine data security protocols most equipped deal highest status possible amongst total sum complete deal reflect required standards compliance below accepted recognized standards industry ecosystem private enterprise coupled already linked either system manual pre existing automatic label verified separate special implementations found selected type class period thereby coming together form single entity applicable account intended purpose balance tally straightforward safe secure manner substantially able secured designed continually maintained consistently recorded support incredibly durable creation application program implementation function established policy protocol stipulates critically important safeguard measure conditional regards needed protect additionally nature fact gathering multifaceted complexity amount each job done properly certified status determined personally professional personnel multiple layers encryption placed ultimate maximum safety obtained possible effect considered gain access given anytime makes virtually impossible breach security crash system normal procedures compliant addition noted correctly above confirmation crucial element require consent finalize arrangement respect constitutes primary factor discussed basis therefore ensure contractual obligations satisfied easier future court proceedings handling challenged related inquiries varying degree concern potential issue limit ability inherently protect lives projects day critical aspect determining successfulness collaboration allocated key component board meeting discuss implementation information technology sector cyber crime prevention enforcement duly needed precautionary preventative measures extra reinforcements overall team building task force assembled address concerning matters previously explained accordingly following evaluation recommendation integrate permanently established administration goals objectives thus making consistent progress need delivered promptly orderly fashion scheduled hour predesignated fashion specifically time frame general trend nowadays world wide web becoming increasingly popular every single individual required become conscious aware dangers doing business online proactive safety standard checks handle sensibly customer base ensure expectation met right away due diligence met fully examined certifiably trustworthiness way handle given circumstance greater ability develop competent professional working relationship critical aspect reach greater heights company far successfully customer satisfaction end goal met exponential business growth result solid consumer relations increases popularity brand power influence speak behalf actively presence internet culture vast array online opportunities present ever growing open minded clientele gone trend times past society having expand creative vision steer business promising direction elevated vast array global marketplace readers overall stellar successes found clear evidence concrete facts results worth reading.
Add Participants
- Having an Apple Card Family is an easy and convenient way to get rewards and perks from Apple every time you shop. Setting up an Apple Card Family requires only a few steps. One of the steps is to add participants to your Apple Card Family.
- This article will discuss how to add participants and the process for adding a co-owner to your Apple Card Family.
Invite Participants
- Invite your family or friends to participate when setting up an Apple Card Family. You will need their name, phone number, and a valid email address one of your family members or friends uses to use Apple Pay.
- Note: You cannot invite someone with an Apple Card in their name.
- Before inviting participants to join your family, you will need the following information from them:
- The phone number that’s associated with their Apple Pay account
- A valid email address for which they use Apple ID sign-in
- Their birthday (this is optional but it may help personalise their experience within your family group)
- An invitation code (which you can generate on the Manage participants section of your family page)
4. Once you have all the required information from each participant, use the Invite Participant button on the Manage Participants page to instantly send out emailed invitations. Participants will receive a link in their emails prompting them to accept and fill out the required information for verification purposes. Once a participant has accepted your invitation and filled out all required fields for verification, they will become part of your spending group.
Accepting an Invitation
- Accepting an invitation from another Apple Card user is easy. You’ll get a notification on your iPhone when that user sends you an invitation.
- Open the notification to bring up the invitation screen. At the top of this screen, you’ll see the name of the person who sent you the invitation and their Apple ID email address. Tap on “Accept” to be added to the group and join their Apple Card Family.
- After accepting, you’ll receive your unique card number, but will share one credit limit with all your Apple Card Family members. You can begin using your card right away or wait until all group members have been added before activating it.
- It’s important to remember that only you as an individual are responsible for payment – all payments will be billed separately under each user’s name. Additionally, all purchases made with family member cards remain everyone’s responsibility for credit reporting purposes and other reasons such as warranties and returns – even if someone else in your group has paid for those purchases upfront.
Set Up Participant Profile
- To share your Apple Card with family members, you must create a unique profile for each participant. You will be asked to provide the participant’s name, date of birth, and email address to do this. It’s important to note that all participants must have an Apple device such as an iPhone or iPad to use their Apple Card and manage their account.
- Once the profile is created, you must assign a credit limit and set up additional features like automated savings or spending deadlines. You may also want to grant additional users access to the account if they only need monitoring rights instead of full user privileges. This can all be done in the app settings.
- Finally, make sure that each participant agrees with the shared rules and regulations regarding spending transactions on the card and agrees that all cardholders are liable for any payments due for past purchases. Once everything is set up and agreed upon, your family can use your Apple card!
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