Maximize Your Apple Card: Step-by-Step Guide to Getting $100 Bonus Daily Cash by Adding a Co-Owner

Overview

Apple Card users who have been patiently awaiting a promotion that rewards existing customers—not just newcomers—now have a golden opportunity. Through May 18th, Apple is offering a limited-time bonus: $100 in Daily Cash when you add a co-owner to your Apple Card account and that co-owner spends $100 within their first 30 days. This guide walks you through everything you need to know—from prerequisites to step-by-step instructions—so you can claim this bonus with confidence.

Prerequisites

Before you begin, make sure you meet the following requirements:

• Existing Apple Card holder: You must already have an Apple Card account in good standing.
• Eligible co-owner: The person you add must be at least 18 years old (or the age of majority in your state), have a valid U.S. Social Security number or Individual Taxpayer Identification Number, and be willing to share joint responsibility for the account. They can be a family member, friend, or partner—anyone you trust financially.
• Device with iOS 16.4 or later: To add a co-owner, you’ll need an iPhone or iPad running iOS 16.4 or later, with the Wallet app updated.
• Apple Card issued by Goldman Sachs: This offer applies only to the standard Apple Card, not Apple Card Family (which already allows co-owners but with different terms). Actually, note: the co-owner feature is part of Apple Card Family; this promotion is for existing primary owners to add a co-owner *if they haven’t done so already*.
• U.S. address and residency: Both you and the co-owner must have a U.S. address and be residents of the United States.

Make sure you have the latest version of iOS installed and that your Apple ID is signed in to iCloud and the App Store.

Step-by-Step Instructions

Step 1: Confirm the Offer Terms

First, verify that the promotion is still active. The offer runs through May 18th, and you must complete the co-owner addition before that date. After adding, the co-owner has 30 days from their addition to make a qualifying purchase of $100 or more. The $100 Daily Cash bonus will be credited to your Apple Cash card (or applied to your Apple Card balance) within a few days after the co-owner’s spending threshold is met.

Step 2: Open the Wallet App on Your iPhone

Launch the Wallet app and tap your Apple Card. You’ll see your current balance, Daily Cash earned, and other account details. Look for the “…” (more) button in the top-right corner and tap it.

Step 3: Navigate to “Add a Co-Owner”

From the menu, select “Manage Participants” (or similar wording—Apple’s interface may vary slightly with iOS updates). If you currently have no co-owner, you’ll see an option to “Add a Co-Owner”. Tap that.

Step 4: Enter the Co-Owner’s Information

You’ll be asked to provide the co-owner’s full name, date of birth, and the last four digits of their Social Security number. This is for credit verification by Goldman Sachs. Make sure the information is accurate, as any mismatch can delay or deny the application.

Step 5: Review the Terms and Submit

Read through the terms of the co-ownership, including joint liability (both parties are equally responsible for payments). Agree to the terms and submit the invitation. The co-owner will receive a notification to accept the invitation on their own device.

Step 6: Co-Owner Accepts the Invitation

Your invited co-owner must open the Wallet app on their own iPhone (running iOS 16.4+) and accept the invitation. They may need to sign in with their Apple ID and complete a brief identity verification. Once accepted, the co-owner is officially added to your Apple Card account.

Step 7: Co-Owner Spends $100 in First 30 Days

After addition, the clock starts ticking. The co-owner has 30 calendar days to make a purchase (or multiple purchases totaling at least $100) using the Apple Card. This can be done via Apple Pay, the titanium card, or online checkout that accepts Apple Card. Purchases like groceries, gas, or online shopping all count—just ensure the total is at least $100.

Step 8: Receive Your $100 Bonus Daily Cash

Once the co-owner’s spend reaches $100, the $100 Daily Cash bonus will be deposited into your Apple Cash card within 1–5 business days. You’ll see a notification in the Wallet app. You can use this cash immediately for purchases, transfer it to a bank account, or apply it as a statement credit.

Common Mistakes

Mistake 1: Adding a Co-Owner After the Deadline

The bonus is only available if you add the co-owner before May 18th. If you add them even a day later, the promotion won’t apply. Double-check the current date.

Mistake 2: Co-Owner Not Spending $100 in 30 Days

Even if you add the co-owner in time, if they don’t spend $100 within their first 30 days, you forfeit the bonus. Encourage the co-owner to make that initial purchase as soon as possible. Use a grocery trip or a regular bill payment to hit the threshold.

Mistake 3: Using a Non-Qualifying Purchase

Almost all Apple Card purchases qualify, but avoid purchases that are refunded (e.g., buying something and returning it before the $100 is met). Also, cash advances or balance transfers (if available) typically do not count.

Mistake 4: Not Updating iOS or Wallet

If either you or the co-owner have an older iOS version, the co-owner addition may fail. Update to iOS 16.4+ on both devices before starting.

Mistake 5: Not Understanding Joint Liability

Adding a co-owner means they become equally responsible for the entire balance. If they overspend, your credit score could be affected, and you’ll both owe the debt. Choose a person you trust financially.

Mistake 6: Ignoring the Co-Owner’s Credit Impact

Adding a co-owner requires a credit check on them, which can temporarily lower their credit score. Make sure they are aware and consent.

Mistake 7: Forgetting to Track the 30-Day Window

Mark your calendar! The 30 days start from the day the co-owner is added, not from when they accept. Jot down the deadline and remind the co-owner.

Summary

By following this guide, you can secure a $100 bonus on your Apple Card—simply by adding a co-owner and having them spend $100 within 30 days before the May 18th expiration. Key steps: verify prerequisites, add co-owner via Wallet app before the deadline, ensure their qualifying purchase, and avoid common pitfalls like missed windows or unapproved transactions. This promotion rewards existing cardholders and strengthens shared financial management. Act now to maximize your Daily Cash earnings.