Adding spouse as Co-Owner on Apple Card

I’m going to link an Apple Support article below on how co-owners and participants work and restrictions, processes etc.

You need to send an invitation to your spouse. You can’t just elect/say someone is a co-owner. Let’s assume you both have updated devices and OS versions that will work. Your spouse will receive an invitation from you to be a co-owner. If the accept, Goldman Sachs will run a credit check on the person and if they financially qualify, your individual Apple Card account will become a joint account. A joint account, once created, can never be converted back to an individual account. Federal banking regulations.

Once your spouse accepts (assuming they are financially qualified) they may request a physical Apple Card. If a card is not requested by your spouse, they’ll have access to the account through the virtual card in the Apple Wallet on their iPhone and use Apple Pay to make purchases online, in stores that accept Apple Pay etc.

Please review the support article I’ve linked below.

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

You can add a co-owner from an iPad:

On your iPad, open the Settings app > Wallet & Apple Pay > Apple Card > Info tab. Then follow these steps:

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

Is your spouse an Apple Family Sharing member? You need to do that first and they need to accept the invitation. If they have done that, they should show in the list. If they don’t show in the list there are multiple reasons why you don’t see them. I listed a few below.

1. Currently not in the US
2. Behind a VPN
3. Not logged into Apple ID
4. Region set incorrectly

Correct. You need at least iOS 14.7 for the option to be available.

What Apple device does your spouse have and what iOS version is it using?

What device does your spouse have and what OS version?