I know this thread is old, but I’m just adding my two cents. I have an Apple card. My wife is a co-owner, and my daughter is a participant. I can see everyone’s transactions, and my wife can see our daughter the participant transactions. But my wife cannot see any of my transactions nor her own transactions. We have signed in and out, we have added and removed and added the card, this also involves setting up on a new one, going from an iPhone 12 mini to iPhone 13 mini from my wife, but there’s something going on with her that are not allowing her to see any transactions. However, the balance is correct I just tested it again after trying some things bye-bye buying a two dollar gift card from Dunkin’ Donuts and my phone. The pending transaction showed up immediately. The balance changed immediately on my wife’s phone. The balance changed immediately, but still no transaction record.