PSA: Apple Card Owners Won’t Be Able to Combine Existing Accounts Until July - MacRumorsOpen MenuShow RoundupsShow Forums menuVisit ForumsOpen Sidebar
Skip to Content

PSA: Apple Card Owners Won’t Be Able to Combine Existing Accounts Until July

Following its announcement last month, Apple today officially flipped the switch to allow parents to share their Apple Card with their teenagers or friends and the ability for spouses to co-own a single ‌Apple Card‌ account. However, one notable feature that didn't get released today is the ability for two separate ‌Apple Card‌ accounts to be merged into one.

apple card family
Apple announced the feature last month but didn't specifically pin a release date. Now, in a new support document, Apple says that starting later on in July, users will be able to merge two existing ‌Apple Card‌ accounts into one, and in doing so, be able to combine their credit limits.

Coming July 2021: You will be able to invite another Apple Card owner to combine credit limits and form one co-owned account.1

The ability to share an ‌Apple Card‌ with iCloud Family members above 13 years old and the ability to co-own an ‌Apple Card‌ were released today as part of the iOS 14.6 update.

Popular Stories

apple card apple ad

Apple Shares New 'Apple Card: Apply and Use in Minutes' Ad

Friday November 6, 2026 9:22 am PST by
Apple today shared a new Apple Card ad highlighting how quick it is to apply, get approved, and make purchases. In the spot, a therapist is listening to a patient drone on when a cheap flight pops up on her iPhone. Her wallet is across the room and she can't get up to grab it, so she opens up the iPhone Wallet app, applies for an Apple Card, and is able to purchase a flight within a couple...
apple pro tell logo

Apple Launching Five New Products Today

Thursday November 5, 2026 12:59 am PST by
Apple is launching five new products on Friday, November 6, following pre-orders that opened last week, including its first touchscreen MacBook Pro models. The following new products will be available from today: iPad mini with OLED display and A20 Pro chip iMac with M6 chip 14-inch MacBook Pro with M6 chip 14-inch MacBook Pro with OLED touchscreen 16-inch MacBook Pro with OLED...
duo aquarium

More Fun iPhone Duo Apps: 30 New Picks to Try

Friday November 6, 2026 3:27 pm PST by
When the iPhone Duo launched, we shared a list of some of the fun apps developers created for the new form factor. Two weeks out, developers are continuing to come up with fresh ideas, so we thought we'd share some of our favorites. Games Marbles Unhinged ($2.99) - Marbles Unhinged is a marble maze designed for the Duo. When you fold it, the floor turns into a ramp. If you stand the top...

Top Rated Comments

WiseAJ Avatar
71 months ago

Apple doesn't do merging two accounts into one.
I really wish they would allow this with Apple IDs, I hate having different Store and iCloud and Apple IDs.

Just figure out how to let people merge them already. Its 2021.
Score: 7 Votes (Like | Disagree)
longofest Avatar
71 months ago
I have an Apple Card, and honestly I somewhat avoid putting stuff on it unless it is really worth the rewards (like Apple product) because of the fact it doesn't integrate with financial wellness apps, like Mint.

Support for Mint or other finanical wellness sites/apps is the enhancemnet I'm really waiting for.
Score: 6 Votes (Like | Disagree)
LeadingHeat Avatar
71 months ago
Looking forward to it. Hopefully the delay means they’re polishing out the bugs. I’d rather that it take another month or two than screw up my account/credit/etc by being done wrong.
Score: 5 Votes (Like | Disagree)
verniesgarden Avatar
71 months ago

Yea I don’t really understand how it couldn’t be reported as a closed credit card either, unless all they do is update the account number and credit limit.

As long as closing a credit card doesn’t increase someone’s overall credit utilization, there’s really no negative consequence to closing a credit card though.
It can impact your credit history
Score: 2 Votes (Like | Disagree)
TheYayAreaLiving 🎗️ Avatar
71 months ago
This is getting confusing.. ugh
Score: 2 Votes (Like | Disagree)
poseidondev Avatar
71 months ago

It can impact your credit history
It's a misconception that your credit history is impacted just by virtue of closing a card.
The reason why credit scores go down when closing a card has to do with two separate factors; utilization and average credit age.

I've gone into detail when the matter got brought up the last time. See my post below

https://forums.macrumors.com/threads/apple-shares-details-on-how-apple-card-family-works.2295142/post-29863277
Score: 1 Votes (Like | Disagree)
Latest Stories
Siri AI Rumored to Become 'More Like an Agent' as Early as Next Year
Siri AI Rumored to Become 'More Like an Agent' as Early as Next Year
1 hour ago
Apple Taking New Approach to Developing iOS 28 and macOS 28
Apple Taking New Approach to Developing iOS 28 and macOS 28
3 hours ago
Early Apple Black Friday Deals on Apple Watch, MacBook Air, and More
Early Apple Black Friday Deals on Apple Watch, MacBook Air, and More
22 hours ago
'Backglow' Lets You Customize New MacBook Pro's Glowing Apple Logo
'Backglow' Lets You Customize New MacBook Pro's Glowing Apple Logo
22 hours ago
Top Stories: Apple Product Launches, iOS 27.3 Beta, and More
Top Stories: Apple Product Launches, iOS 27.3 Beta, and More
1 day ago
More Fun iPhone Duo Apps: 30 New Picks to Try
More Fun iPhone Duo Apps: 30 New Picks to Try
2 days ago
Hands-On With Apple's New OLED Touchscreen MacBook Pro
Hands-On With Apple's New OLED Touchscreen MacBook Pro
2 days ago
Apple Store With All-New Design Opening Soon in Southern California
Apple Store With All-New Design Opening Soon in Southern California
2 days ago
Control the Glowing Apple Logo on Your New MacBook Pro
Control the Glowing Apple Logo on Your New MacBook Pro
2 days ago
Apple Shares New 'Apple Card: Apply and Use in Minutes' Ad
Apple Shares New 'Apple Card: Apply and Use in Minutes' Ad
2 days ago
Apple Says More Than 100,000 Apps Optimized for iPhone Duo, Here's What's Still Missing
Apple Says More Than 100,000 Apps Optimized for iPhone Duo, Here's What's Still Missing
2 days ago
Early Black Friday Deals Kickoff With Steep Discounts on Apple Watch Ultras and More
Early Black Friday Deals Kickoff With Steep Discounts on Apple Watch Ultras and More
2 days ago
The MacRumors Show: iOS 27.3 Looks Like a Huge Update
The MacRumors Show: iOS 27.3 Looks Like a Huge Update
2 days ago
Best Buy's Black Friday Event Begins With Sitewide Savings on Apple, TVs, More
Best Buy's Black Friday Event Begins With Sitewide Savings on Apple, TVs, More
2 days ago
Apple Releasing Yet Another Two New Products Next Week
Apple Releasing Yet Another Two New Products Next Week
2 days ago
MacBook Air Drops to Lowest Price in Months With Amazon's $250 Discount
MacBook Air Drops to Lowest Price in Months With Amazon's $250 Discount
2 days ago
Apple Rumored to Drop the iPhone's Action Button Next Year
Apple Rumored to Drop the iPhone's Action Button Next Year
2 days ago
Apple's Extended Return Policy Now in Effect for 2026 Holiday Season
Apple's Extended Return Policy Now in Effect for 2026 Holiday Season
2 days ago
Apple Music Classical Updated With New Icon and Refreshed Design
Apple Music Classical Updated With New Icon and Refreshed Design
2 days ago
OLED iPad Mini, M6 iMac, and New MacBook Pros Available From Today
OLED iPad Mini, M6 iMac, and New MacBook Pros Available From Today
2 days ago
Apple Surveys iPhone Duo Buyers About Crease and Camera
Apple Surveys iPhone Duo Buyers About Crease and Camera
3 days ago
Apple's First Touchscreen Mac is Now Arriving to Customers
Apple's First Touchscreen Mac is Now Arriving to Customers
3 days ago
Claude Gets Personal Finance Feature With Bank Account Linking
Claude Gets Personal Finance Feature With Bank Account Linking
3 days ago
Apple Arcade Adds Crossy Road Rush and NBA 2K27
Apple Arcade Adds Crossy Road Rush and NBA 2K27
3 days ago
Apple's New HomeView Smart Home Hub: Here's How Much RAM It Has
Apple's New HomeView Smart Home Hub: Here's How Much RAM It Has
3 days ago
iPad Mini vs. iPad Air Buyer's Guide: Now Just $50 Apart
iPad Mini vs. iPad Air Buyer's Guide: Now Just $50 Apart
3 days ago
First iOS 27.3 and macOS Golden Gate 27.3 Public Betas Now Available
First iOS 27.3 and macOS Golden Gate 27.3 Public Betas Now Available
3 days ago
Apple Announces a New Mac Sales Record
Apple Announces a New Mac Sales Record
3 days ago
Paid $200 for Logic Pro? Apple Says You Won't Get This New Feature
Paid $200 for Logic Pro? Apple Says You Won't Get This New Feature
3 days ago
Instagram's Edits Video Editor is Now Available on Mac
Instagram's Edits Video Editor is Now Available on Mac
3 days ago