Participant cannot add Apple Card to Wallet

Hi! I was added as a participant to an Apple Card, but it doesn't let me add the card to my wallet. I was invited and accepted the invitation, but when I follow through with the setup process, it says "Could not add card - Contact your card issuer for more information." The cardholder contacted support and they said that nothing was wrong with their account, and Apple support said that it was probably because of the outage, which has since been resolved. I've been a participant on the account before and have a physical card, but I had to leave to troubleshoot another issue. I've tried signing in and out of iCloud, turning on and off my passcode, restarting, and having the cardholder remove and re-add me. Does anyone have a solution to this?

iPhone 12 Pro

Posted on Jun 16, 2021 1:42 PM

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Posted on Sep 4, 2021 4:12 PM

I had this exact issue. I went from participant to co-owner and got the "invalid card" error. I was frustrated after speaking to Goldman Sachs and Apple and hearing "everything looks fine" so I just messed around until I was able to fix the issue myself.


Here's what I did (among other things that didn't work)....


1. I went in to my Watch app and removed the old "participant" card info from it. I made sure none of the other devices associated with my Apple ID had any old card information on them as well. 


2. I signed out of our family Apple ID (used for media and purchases) which has the co-owners Apple Card linked to it.


3. I signed out of iCloud entirely on my Apple ID. 


After doing those three things, I went back into the Wallet app. When I tried to add a card, it directed me to sign in to iCloud with my Apple ID. Once I did that, the new Apple Card (along with all the cards that were previously in my wallet) were listed as options to add to my wallet and it allowed me to add them all. I did have to re-enter some card information for each non-Apple card (verify cvv and exp dates) and it directed me to the card issuers to verify, so it makes me think that signing entirely out of iCloud revoked all previous privileges. That may be the key as perhaps some old info is remaining on the backend and it just needs a clean slate.


Note - I had previously selected to sign out of iCloud and it still gave me the same error. But I don't think I was truly signed out for some reason. There should be a very noticeable difference with your phone when you are signed out entirely. All the info should disappear from your Wallet app, for one thing. So make sure when you open the Wallet app it looks like you are using it for the first time.

34 replies

Jul 1, 2021 5:22 PM in response to Jeff Donald

Did you get this issue resolved? We are in the exact same situation with our eldest daughter. They didn't have credit reporting setup initially, so we had to remove her and re-add her. We've tried 6 times now and all fail - all verification steps succeed, even entering SSN and opting into credit reporting, but the final step results in "cannot add card to wallet - contact card issuer." If we go back to the wallet and press + it even shows the apple card ready to be added, and when I look on my phone she's a member of the family as a participant. It is as if the Remove option left an invisible apple card in the wallet and any attempt to re-add causes a collision and fails.

Jul 3, 2021 7:35 PM in response to cello.runner

Hey! Sorry for not responding sooner—no, I wasn't able to find a solution. Seems that this is a pretty common issue, I've found a handful of people on the Apple Card subreddit facing the exact same issue as all of us, all unsuccessful even after contacting Goldman Sachs or Apple Support. Seems that the only thing we can do is to await a bug fix.


Also—plus one for your theory about adding and then re-adding someone to the Apple Card Family. My Participant card was working perfectly fine before I left the family and then was re-added.


Trying a factory reset now, and if that doesn't work I'm gonna try the iOS 15 Public Beta to see if there was a bug fix or something (I was already planning on updating to the beta for development)

Aug 15, 2021 9:17 AM in response to Jeff Donald

It’s not an Apple Watch issue that’s just how I found out about it. I removed the card from my phone in an attempt to see if we adding it would solve my problem. Now I can’t even add it back to my phone. I have called both Apple and Goldman Sachs, I have reset my region and language a couple of times turn my phone off and back on, reset my watch to factory,. I have signed out of my account on my phone and sign back in I have removed my other cards and cleaned up my wallet from things that may have been expired like coupons. I have tried on my iPad as well and it still tells me it is invalid

Aug 28, 2021 8:06 PM in response to plattbooi

Hi this same thing happened to me too after I was added as a participant and then elected to become a co-owner of an Apple Card. I have open tickets out with Apple and Goldman Sachs. I find it awful that no one seems to be able to fix this bug issue and it seems from what I’ve been reading is that this has been going on since June. This is terrible. Three months is way too long for people to not have have access to their credit card! Its also basically illegal. I would order a Titanium card buts what’s the point…..there’s no info on it so I still can’t shop online! Plus I can even get my actual credit card info because no one seems to have it due to being “security”. I really hope that Apple and Goldman Sachs can start working together and solve this as I’m ready to pay my card off and never buy from Apple agin. Terrible experience. My question is…..Has anyone with this issue had it resolved yet? Does Apple have plans to fix this bug?

Aug 2, 2021 5:57 PM in response to cello.runner

I have *exactly* the same problem with being re-added (in my case, my husband removed me as a participant, and re-added me as a co-owner ... just like the goldman sachs rep said). nobody seems to know any answers. when i finally spoke to a manager, they said that "it's a known issue, and it's currently with the engineers". didn't sound too reassuring. :/ did you have any luck?

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Participant cannot add Apple Card to Wallet

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