1. 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.

2. Coming July 2021: You will be able to invite another Apple Card Owner to combine credit limits and form one co-owned account. Each Co-Owner is individually liable for all balances on the co-owned Apple Card, including amounts due on the existing Co-Owner’s account before the accounts are 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 a new Co-Owner 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.

3. 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.

4. Coming July 2021: You will be able to invite another Apple Card Owner to combine credit limits and form one co-owned account. Merging accounts is subject to credit approval and general eligibility requirements.

5. 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.

6. An Apple Cash card is required. Participants under 18 on Apple Card Family accounts must have the family organizer of their Apple Cash Family set up their own Apple Cash card. If you do not have an Apple Cash account, Daily Cash can be applied as a credit on the account Owner’s statement balance by contacting Goldman Sachs Bank USA. The Apple Cash card is issued by Green Dot Bank, Member FDIC.

7. 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.

8. Some transactions may not be displayed in Apple Maps.

9. 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.