You can cancel your Apple Card through the Wallet app on your iPhone, and the process takes about five minutes.
Apple Card cancellation is straightforward because there is no annual fee, no early termination penalty, and no waiting period. You straightforward remove the card from your Wallet app, and it stops working when ready. Any pending transactions will still process, and you remain responsible for any balance you owe until it is paid off.
The card itself — the physical titanium card that came in the mail — can be destroyed once you have cancelled it in the app. You do not need to return it to Apple or shred it in any particular way, though cutting it in half is a safe approach.
Key Takeaways
- You cancel Apple Card by opening the Wallet app, tapping the card, scrolling to the bottom, and selecting "Close Card".
- There is no fee or penalty for closing the card, and the process is when ready.
- Any balance you owe remains your responsibility and must be paid off even after cancellation.
- Pending transactions will still go through after you close the card, so check your statement for a few days afterward.
- You can reopen a closed Apple Card account by contacting Goldman Sachs, the bank that issues it, though you may need to reapply.
Step-by-step: Closing your Apple Card in the Wallet app
Open the Wallet app on your iPhone and tap the Apple Card. The card will appear on your screen with your name and the last four digits of your card number.
Scroll down to the bottom of the card details page. You will see several options, including "Card Settings" and "Transaction History". Continue scrolling until you reach the very bottom, where you will find a button labeled "Close Card".
Tap "Close Card". A confirmation message will appear asking you to confirm that you want to close the card. Read the message carefully — it will remind you that any pending transactions will still process and that you remain responsible for any outstanding balance.
Tap "Close Card" again to confirm. The app will show a confirmation screen stating that your card has been closed. The card is now inactive and cannot be used for new purchases.
What happens to your balance after you close the card
Closing your Apple Card does not erase any money you owe. If you have a balance, you must continue to make monthly payments to Goldman Sachs until it is paid off. You can still access your account through the Wallet app to view your balance and make payments.
Monthly statements will continue to arrive in your email until the balance reaches zero. Interest will continue to accrue on any unpaid balance at the same rate as before, so paying it down quickly is in your interest.
If you set up automatic payments before closing the card, those payments will continue to process on their scheduled dates. You can change or cancel automatic payments through the Wallet app even after the card is closed.
What to do with the physical titanium card
The physical Apple Card that arrived in the mail can be thrown away once you have closed the card in the app. There is no requirement to return it to Apple or to destroy it in any particular way.
For security, cutting the card in half or running it through a shredder is a reasonable precaution, though the card number is already deactivated once you close it in the app. If you prefer, you can straightforward place it in your regular trash.
Pending transactions and timing
Transactions that were already in progress when you closed the card will still go through. This includes purchases you made but have not yet seen posted to your account, as well as recurring charges like subscriptions or utilities that are set to charge your Apple Card.
Check your statement for three to five days after closing the card to make sure all pending charges have posted. If you see a charge you did not authorize, contact Goldman Sachs through the Wallet app to dispute it.
If you have recurring charges set to your Apple Card — such as an Apple Music subscription or a monthly service — you will need to update those services to use a different payment method before closing the card, or they will fail when the card is no longer active.
Can you reopen a closed Apple Card account
You can request to reopen a closed Apple Card account by contacting Goldman Sachs directly. The phone number for Apple Card customer service is available in the Wallet app under "Card Settings".
Goldman Sachs may reopen your account without requiring you to reapply, depending on how long ago you closed it and the reason for closure. If they decline to reopen it, you can explore for a new Apple Card, though you will go through the full process process again and a new credit inquiry will be made.
Why you might want to cancel
Some people close their Apple Card because they prefer a different rewards card, because they no longer use Apple services, or because they want to reduce the number of active accounts they manage. Others close it temporarily to avoid spending, then reopen it later.
If you are closing because of a problem with the card or with Apple's customer service, contact Goldman Sachs first to see if the issue can be resolved. If you are closing because you want a lower interest rate or better rewards, you may want to compare other cards before making a final decision.
Frequently Asked Questions
Will closing my Apple Card hurt my credit score?
Closing a credit card can have a small negative effect on your credit score because it reduces your total available credit and may increase your credit utilization ratio on other cards. The effect is usually temporary and fades over time. If you have a balance on other cards, paying those down first will offset most of the impact.
What if I have a pending refund when I close the card?
Refunds will be credited back to your Apple Card account even after you close it. The refund will appear in your Wallet app under "Transactions" and will reduce your balance. You can then pay off the remaining balance through the app.
Can I close my Apple Card if I have an outstanding balance?
Yes, you can close the card even if you owe money. The balance does not disappear — you must continue to pay it off through the Wallet app. Closing the card straightforward prevents new purchases; it does not forgive the debt.
Do I need to contact Apple directly to close my card?
No. You close the card entirely through the Wallet app on your iPhone. You do not need to call Apple or visit an Apple Store. If you have questions about your balance or account after closing, you can contact Goldman Sachs through the app.
What if I accidentally closed my Apple Card?
Contact Goldman Sachs through the Wallet app as soon as possible. If you closed it very recently, they may be able to reopen it without requiring you to reapply. The sooner you contact them, the better your chances of a quick reversal.