Can I let someone else use my Apple Card?

Sharing Your Apple Card: A Simple Guide

Apple Card, with its attractive rewards and built-in features, is a popular choice for many. But what if you want to share its benefits with a loved one? Sharing your Apple Card is easier than you might think. This guide outlines the straightforward process.

Sharing your Apple Card isn’t about giving someone your card physically. Instead, you’re enabling them to use the card’s features within the framework of Apple’s Family Sharing system. This means they gain access to certain benefits without becoming the primary cardholder.

To share your Apple Card, follow these steps within the Wallet app:

1. Locate your Apple Card: Open the Wallet app on your iPhone.

2. Select “Add User”: Find your Apple Card and tap on it. Within the Apple Card details, you should see an option to add a user. This will likely be within a section called “Apple Card Family.”

3. Choose the User: The app will present a list of people in your Family Sharing group. Select the individual you want to share your card with.

4. Invite (if needed): If the person you want to add isn’t already part of your Family Sharing group, you’ll be prompted to invite them directly from within the Wallet app.

Crucially, remember that the person you add isn’t getting their own Apple Card. They’re gaining access to the card’s benefits within the context of the existing account you own. This means you’re sharing your card’s features, such as rewards, budgeting tools, and purchase history tracking.

What are the limitations?

While sharing is convenient, it’s essential to understand the limitations:

• Limited Spending: The added user isn’t granted full control of your credit limit.
• Shared Rewards: While they access your Apple Card rewards, they don’t earn rewards in their name. These rewards are applied to your account.
• No Independent Account: The added user can’t have their own Apple Card, nor make independent purchases or establish their own credit history through this method.

Sharing your Apple Card allows for convenient financial collaboration and is a streamlined way to extend the benefits of your card. Understanding the limitations will allow you to use this feature effectively within your family structure.