You can cancel your Apple Card through the Wallet app on your iPhone in about two minutes
To cancel your Apple Card, open the Wallet app, tap and hold the card, then select "More" (the three dots), scroll down, and tap "Close Card". You'll be asked to confirm. Apple will then deactivate the card when ready, though any pending transactions may still process. You do not need to call anyone or visit a bank branch.
Before you close the card, check your statement for any recurring charges — subscriptions, insurance, or automatic payments — and move them to another card first. Once the card is closed, any merchant trying to charge it will be declined, which can interrupt services you still want.
If you have an unpaid balance on the card, you can still close it, but you'll need to pay what you owe. Apple will send you a bill, and you can pay it through the Wallet app or by mail.
Key Takeaways
- Cancellation happens when ready in the Wallet app — you do not need to contact Apple or Goldman Sachs, the bank behind Apple Card.
- Check for recurring charges before you close the card, because merchants will be declined if they try to charge a closed card.
- If you have a balance, you must pay it off, though you can do so after closing the card.
- Physical Apple Card metal cards cannot be used once the account is closed, so you can destroy them or recycle them.
- Closing the card does not affect your Apple ID, iCloud account, or other Apple services.
Step-by-step: Close your card in the Wallet app
Open the Wallet app on your iPhone. Tap and hold the Apple Card (the titanium card or the digital representation, depending on which you see first). A menu will appear with options including "More" — tap that.
Scroll down to the bottom of the menu. You'll see "Close Card" in red text. Tap it. A confirmation screen will appear explaining that the card will be closed and any pending transactions may still go through. Tap "Close Card" again to confirm.
The card is now closed. You'll see a confirmation message in the Wallet app. Any future attempts to use this card number will be declined.
What happens to recurring charges and subscriptions
Any merchant with your Apple Card number on file will be declined when they try to charge after you close the card. This includes streaming services, gym memberships, insurance payments, and utility bills. The merchant will typically send you a notification that the charge failed.
Before you close the card, log into each service you pay for regularly and update the payment method to a different card or bank account. This takes a few minutes per service but prevents interruptions. If you forget and a charge is declined, you can usually update the payment method directly in the app or on the merchant's website.
Pending transactions — charges that were authorized but not yet settled — may still post to the closed card. This is normal and does not reopen the account. The charge will appear on your final statement, and you'll receive a bill for it.
Paying off your balance after closing
If you have an unpaid balance when you close the card, the account stays open for billing purposes only. You cannot use the card, but you can still see your balance and make payments through the Wallet app.
Open Wallet, tap the Apple Card, and look for a "Pay" button or your current balance. Tap it to make a payment. You can pay the full balance at once or continue making monthly payments. Apple will send you statements by mail or email until the balance is paid in full.
Once your balance reaches zero, the account is fully closed. You will not receive further statements or bills.
What to do with your physical Apple Card
The titanium Apple Card itself cannot be used once the account is closed. You do not need to return it to Apple — there is no return process. You can destroy it by cutting it up or breaking it, or you can recycle it at an electronics recycling center.
If you want to keep the card as a keepsake, that is fine. It straightforward will not work at any merchant or ATM.
If you want to reopen your Apple Card later
Once you close your Apple Card, you cannot reopen the same account. If you change your mind, you would need to open a new Apple Card account. This means a new card number, a new process review, and a new hard inquiry on your credit report.
If you're closing because of a problem with the card or Apple's service, contact Apple Support first to see if there's another solution. If you're closing because you want to switch to a different card, you can keep the Apple Card open and unused — there is no annual fee, so it costs nothing to hold onto it.
Frequently Asked Questions
Does closing my Apple Card hurt my credit score?
Closing a credit card can affect your credit score because it reduces your total available credit and may increase your credit utilization ratio on other cards. The impact varies depending on your credit history and how many other accounts you have. Check your credit report a few weeks after closing to see if the change appears.
Will I still get my monthly statement after I close the card?
If you have a balance, you'll receive statements until it's paid off. If you close with a zero balance, you'll receive a final statement confirming the account is closed. After that, you won't receive further statements unless you carry a balance again.
Can I cancel my Apple Card if I have a pending dispute?
Yes, you can close the card even if you have an open dispute with a merchant. The dispute process continues separately, and any refund will be credited to your account. Contact Apple Support to confirm the status of your dispute before closing.
What if I close my card and then need to return something I bought?
Refunds will be credited back to the closed card account. You'll see the credit on your final statement or in a refund notice from Apple. If the merchant needs a card number to process the return, you can provide the closed card number — the refund will still go through.
Do I need to tell Apple I'm closing my card?
No. Closing the card through the Wallet app is all you need to do. Apple does not require advance notice or a phone call. The closure is when ready and final.