The Apple Card is officially available to the public and arouses great interest. While the rewards for the new credit card are not an outstanding feature, they are a compelling choice for many aspects, including the instant sign-up and approval process, focus on privacy and security, Apple-developed budgeting software, the Titanium Card, No Fees, and more , I'm willing to buy one myself, but there are a few things that hold me back, and probably others who share their finances with their spouse or partner.
As you've probably heard, Apple does not offer the option of getting an additional Apple Card for a second user. Being in a relationship means that both you and your partner need to fill out separate Apple Card applications on the iPhone or iPad, which, if approved, bind to your Apple ID.
So far, this may not be a problem for many couples, but having separate accounts is not the only complication. Apple Card provides a great software experience for budgeting and paying your bill. However, you can only access your iPhone or iPad. And there is no way to export (at least for the moment) your Apple Card data to third-party budgeting software and other financial apps with just about any other credit card (except basic PDF exports). I'm sure this has to do with security and privacy, but it seems to be a problem that can be solved. There may be an Apple Card app in development that offers more visibility to two separate accounts. However, this is a remarkable limitation for now.
For couples who want to share an account while keeping separate accounts, Apple Card is able to do so at the moment makes sense. But those who like to share all their accounts like me and my wife probably believe that Apple Card is not an option.
In particular, my wife and I have another unique problem that I suspect would be a much smaller subgroup of Apple users. We choose to share our primary Apple ID so we can manage a photo collection instead of two (not available to family sharing) and then use separate IDs for iMessage and FaceTime. I have already written about it and would like to see a separate opt-in option for photos. However, this makes the Apple Card even more of a challenge, as there does not seem to be any way to use a different Apple ID than the one you set as the primary account on your iPhone or iPad when you sign up for the credit card , This means that only one of us could sign up for the Apple Card.
Apple Card Enhancements for Couples Who Have Joint Finance
With Apple's focus on security and privacy for Apple Card, I think the likelihood of having an additional one Cardholders get the option is great before users can export their financial data and integrate it into third-party software. Sure, it's riskier and more responsible to have two cards in one account than one, but Apple has already figured out the logistics for Goldman Sachs and his side. As for users, it would be easy to lock the secondary card like the primary card in the Wallet app by another switch.
(There is probably also a large group of teenagers who would love to get an Apple card as a secondary user under the account of their parents.)
Even though I think that exported Apple map data beyond PDF files probably come after the option for additional users (if any), I think that this is an important thing for Apple. Many users want to include Apple Card data in their other financial accounts to keep track. On the other hand, a larger number of Apple Card users (or potential users) may want the export option because it affects both individuals and couples. Therefore, there may be a possibility that Apple may expose them to maps for additional users.
A partial or temporary solution could be an Apple Card iOS app that allows users to share data with their spouse or spouse. This could be an opportunity for Apple to maintain its focus on security and privacy by providing cross-account transparency, but within the boundaries of its own app rather than third-party apps.
What do you think? Do you want to become an Apple Card user but wait for the option to export data and / or to add another user? Share your thoughts in the comments below!