You can now earn $10 to help family members build credit with Apple Card Family

Nov 5, 2021

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Earlier this year, Apple unveiled a key improvement to its credit card offering: Apple Card holders can now add additional members, including children, to their primary account.

The new feature, dubbed Apple Card Family, makes it easy for users to share one account with up to five other people that are 13 years of age or older. There are some terms to keep in mind, including that everyone must be part of the same Family Sharing group, but otherwise, the new functionality is pretty seamless.

The information for the Apple Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

While Apple Card Family has now been available for nearly six months, Apple is sweetening the deal for those who are ready to add members to their Apple Card account.

Related: Worthy of the hype? Apple Card review

From Nov. 4 through Nov. 30, anyone who opens a new Apple Card and joins an Apple Card Family account — either as a participant or “Co-Owner” — will receive $10 cash back — called “Daily Cash” — after making a purchase within 30 days of being added to the group.

Note that this limited-time offer is only valid for new Apple Card users, and it will not apply to existing card accounts that merge as Co-Owners during the promotional period.

In addition to adding new participants (similar to the authorized user programs with other credit cards), you can designate one of your five picks as a Co-Owner.

(Image courtesy of Apple)

This designee, who must be 18 or older, will build their own credit along with the primary owner, a key factor to opening additional credit card accounts of their own, acquiring mortgages and scoring favorable rates on other types of loans. (Other participants on your account can opt in to credit reporting, assuming they’re 18 or older.)

Co-Owners are also able to manage the group’s spending and merge their credit lines, while inheriting the lower of the two interest rates.

Related: How to add an Apple Card Family user

Adding a Co-Owner (or opting in to credit reporting for a participant) is a great way to build a good credit history, assuming that the group uses the Apple Card account responsibly. To boost your credit score, be sure to pay your balance on time and minimize your credit utilization.

While the Apple Card doesn’t offer a travel rewards tie-in, simplicity is one of the card’s key selling points. Since its introduction in 2019, Apple has been working to boost the card’s appeal, primarily through the addition of more businesses that trigger the highest rewards tier, offering 3% cash back with a handful of additional merchants.

The latest move, a $10 incentive to add members to your account, might not be much, but at least it should get some members thinking about helping family and friends build their credit history.

Featured photo courtesy of Apple.

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

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More Things to Know
  • Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
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  • Fee Credit for Global Entry or TSA Pre✓®.
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  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

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