Apple Card users have been seeing a flurry of promotional offers aimed at new customers, but existing cardholders often feel left out. Now there's a limited-time opportunity just for current Apple Card owners: add a co-owner to your account and receive $100 in Daily Cash. The offer runs through May 18th, and the bonus is credited after the new co-owner spends $100 within their first 30 days. Below, we answer key questions about how this promotion works and how to take advantage of it.
Who is eligible for the $100 Apple Card co-owner bonus?
This promotion is exclusively for existing Apple Card users. If you already have an Apple Card account, you can invite someone to become a co-owner. The offer does not apply to new Apple Card applicants—only current cardholders can earn the $100 Daily Cash bonus. The co-owner you add must be new to your account, but they do not need to be a new Apple Card customer overall. As long as they haven't been a co-owner on your account before, they qualify. Additionally, both you and your co-owner must be at least 18 years old and meet standard credit approval criteria.
How much Daily Cash can I earn from this promotion?
You can earn $100 in Daily Cash by adding a co-owner to your Apple Card. The bonus is awarded once the new co-owner makes at least $100 in purchases using the card within the first 30 days of being added. Daily Cash is Apple's cashback program that deposits rewards directly into your Apple Cash card daily. That $100 is on top of the regular Daily Cash you earn from purchases (typically 1% to 3%). So if your co-owner spends $100, you'll receive $100 bonus plus whatever cashback that spending itself generates.
What is the deadline for this Apple Card co-owner offer?
The offer is available only through May 18th. You must add a co-owner to your Apple Card account on or before that date to be eligible for the $100 Daily Cash bonus. After adding a co-owner, the new user has 30 days from the date they are added to make the required $100 in purchases. So you don't need to rush the spending part, but the invitation must be completed by May 18th. Make sure to act quickly if you want to take advantage of this limited-time promotion.
What steps do I need to follow to get the $100 bonus?
First, open the Wallet app on your iPhone and tap your Apple Card. Look for the option to add a co-owner—it should be under the card details or settings. You’ll need to invite the person via Messages, Mail, or AirDrop. They must accept the invitation and go through a credit check. Once the co-owner is approved and added, they should start using the card. To trigger the $100 Daily Cash, the co-owner must spend at least $100 within their first 30 days of being on the account. There's no minimum per transaction; any combination of purchases totaling $100 works. The bonus will appear in your Apple Cash balance shortly after the spending requirement is met.
Can I add anyone as a co-owner, or are there restrictions?
You can add a co-owner who is a family member, partner, or trusted friend. However, both you and the co-owner must have a good credit history because creditworthiness is jointly evaluated. Apple Card co-ownership is different from an authorized user—the co-owner has equal responsibility for payments and access to the credit line. The person you add must also have an Apple ID and be at least 18 years old. There’s no limit on the number of co-owners you can add in general, but for this promotion, you can earn the $100 bonus only once per Apple Card account.
What are the benefits of adding a co-owner beyond the $100 bonus?
Adding a co-owner can help you build credit together and make it easier to manage shared expenses. Both account owners see the same transaction history and can make payments. This can be useful for couples managing household budgets or parents helping a child establish credit. The co-owner also earns their own Daily Cash on purchases, which is deposited into their own Apple Cash account. Plus, having a co-owner may increase the total credit limit, which can improve your credit utilization ratio. The $100 bonus is just the icing on the cake—but it’s a sweet one.
What happens if the co-owner doesn't spend $100 within 30 days?
If the new co-owner fails to spend at least $100 within the first 30 days after being added, you will not receive the $100 Daily Cash bonus. The offer is contingent on that spending threshold being met. The co-owner can still use the card afterward, but the promotional period is fixed. So it's important to plan ahead—perhaps make a larger purchase soon after the co-owner is added. If you miss the deadline, you won't get another chance for this particular bonus. However, you'll still enjoy the regular benefits of having a co-owner on your Apple Card.