How to change a participant to a co owner

This is a fairly simple process, but there a couple of preliminary steps to take before inviting a Participant to become a co-owner.

1. Update both devices to the latest iOS.
2. Make sure the current owner and participant are logged into their own/seperate Apple ID’s
3. Do not be behind a VPN or outside the US.

Please follow the steps below on your iPhone to send the invite to become a co-owner.

>> Invite an Apple Card Family participant or account co-owner

1. Open the Wallet app and tap your Apple Card.
2. Tap the More button , then tap Card Details .
3. Under People, tap Share My Card, then tap Continue.
4. Select a member of your Family Sharing group. To invite someone to join your Family Sharing group, tap Invite Someone.
5. To invite an account co-owner, tap Become Co-Owners. To invite a participant, tap Add as Participant.
6. Follow the instructions on your screen to provide the requested information.
7. Tap Send Invitation, then authenticate with your passcode. <<

Set up Apple Card Family and add a co-owner and participants - Apple Support