Welcome a Co-Owner
to Apple Card with $100.
Apple Card Family1 lets you share the great features and benefits of Apple Card with anyone you call family. Add a new Co-Owner2 to your account by May 18 and they’ll get $100 Bonus Daily Cash when they spend $100 in their first 30 days.3
A Co-Owner can be a partner, spouse, or someone else you trust. You’ll manage the account together, build credit as equals,4 and you can even combine credit limits5 to increase spending power.
Healthy finances.
Family style.
Anyone age 13 or over can also be added to your Apple Card as a Participant.6 It’s a convenient way for kids and young adults to learn about credit and healthy spending habits — with you and the Co-Owner setting spending limits7 and easily tracking the family’s spend in one place. Everyone gets their own titanium Apple Card, and Participants age 18 or over can use Apple Card to start building their own credit history.8
Daily Cash. On every purchase.
Every day.
Each person on the account receives their own unlimited Daily Cash back on every purchase they make with Apple Card. Daily Cash can be stored on their Apple Cash account in Wallet where they can use it just like real cash.9
Or, Co-Owners can each send their Daily Cash to individual Savings accounts so it can grow over time.10
Apple Card lives on your iPhone in the Wallet app.
- Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.
- Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co-Owner's account before the accounts merged. Each Co-Owner will be reported to credit bureaus as an owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-Ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements,
click here . Either Co-Owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits,click here . - Subject to credit approval. Valid only for the Apple Card account that directly received this offer. To be eligible for this offer, you must add a new Apple Card Co-Owner to your existing Apple Card account from April 28, 2026 through May 18, 2026 (“Offer Period”). Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group. This offer is not available to applicants who have had Apple Card or who have another pending or approved application for the card including (1) existing Apple Card users who merge their Apple Card accounts to become Co-Owners with another existing Apple Card user (2) existing Participants who change their account status to a Co-Owner role. Co-Owners added before April 28, 2026, and after May 18, 2026 do not qualify. Within 30 days of being added to the Apple Card Family account (“Purchase Period”), the new Co-Owner will earn $100 if they spend $100 or more. For clarity, any spend by Apple Card Family Participants and existing Co-Owners does not qualify toward the $100 threshold. Each Apple Card Family account is eligible to allow maximum one (1) person to redeem offer. Limit one offer per natural person per unique Apple Card account. The $100 bonus is earned as Daily Cash and is transferred after the respective minimum spend threshold worth of transactions have posted to the new Co-Owner’s Apple Card account. Co-Owners can choose to direct Daily Cash to a Savings account or to an Apple Cash account. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit. Apple Card Family members who do not have an Apple Cash account, can have their Daily Cash applied as a credit on account Owner’s statement balance by contacting Goldman Sachs Bank USA. The Apple Cash account is issued by Green Dot Bank, Member FDIC. See apple.com/apple-pay for more information. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more details. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.
Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. - Building credit “equally” means that the payment history and other information about your Apple Card, will be reported to credit bureaus for each Co-Owner. Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card and each will be reported to credit bureaus as an owner on the account. Credit reporting includes payment history and other information about your Apple Card, including negative items like missed payments. Card usage and payment history may impact each Co-Owner's credit score differently, because each individual’s credit history will include information that is unique to them. Either Co-Owner can close the account at any time, but you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits,
click here . - Credit limits can only be combined when an existing Apple Card customer requests to share and merge their account with another existing Apple Card customer. Merging accounts is subject to credit approval and general eligibility requirements.
- If you are a Participant, you are able to spend on the account but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is overutilized can have negative effects on your credit. The account owner remains responsible for all purchases made by a Participant. For more details including some risks and benefits of being a Participant,
click here . - Owners can set transaction limits at any time for Participants through the Wallet app, but this does not limit a Participant’s ability to spend up to the available credit limit on the account. Participant cards can also be locked to pause spending at any time through the Wallet app.
- If you are a Participant, you are able to spend on the account but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is overutilized can have negative effects on your credit. For details on credit reporting,
click here . For more details including some risks and benefits of being a Participant,click here . - You can choose to direct Daily Cash to a Savings account or to an Apple Cash account. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit upon request. Apple Card is issued and Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the
Apple Card Customer Agreement for more information.
Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. - To access Savings, Apple Card Owners and Co-Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. Apple Card Owners and Co-Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, Apple Card Owners and Co-Owners are affirmatively electing to have all future Daily Cash automatically deposited into their respective Savings account. Daily Cash may not be divided between Apple Cash account and Savings accounts. Owners and Co-Owners may individually change where their Daily Cash is deposited at any time. For additional information about Daily Cash, including how it is earned, please see the
Apple Card Customer Agreement . Savings accounts are not available in Guam, Northern Mariana Islands, or US Minor Outlying Islands. To set up Savings, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS.
- Merchant offers may change at any time.
- Nike: 3% Daily Cash is available on purchases made in the U.S. using Apple Card with Apple Pay at Nike stores, nike.com, the Nike mobile app, the Nike SNKRS app, and Swoosh.com. Excludes purchases at Nike pop-up events.
- To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.
- Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.
- All communications from Apple and Goldman Sachs Bank USA about Apple Card (including transactional and marketing communications) and customer service support are available in English. Certain communications about Apple Card can be viewed in another language depending on your device language settings. If you reside in the U.S. Virgin Islands, American Samoa, Guam, Northern Mariana Islands, or U.S. Minor Outlying Islands, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.