Canceling your Apple Card through Wallet
To cancel your Apple Card, open the Wallet app on your iPhone, tap the card, then tap the three dots in the top right corner. Select "Card Settings," scroll down, and tap "Close Card." You will see a confirmation screen explaining that closing the card will end your account and remove it from Wallet. Confirm the action, and the card closes when ready.
Before you close the card, make sure you have paid any remaining balance in full. Apple will not let you close the card if you owe money on it. If you have a balance, pay it through the Wallet app first by tapping the card and selecting "Pay Now," then return to Card Settings to close it.
The card disappears from your Wallet right away, but the account itself remains open for a short period so Apple can process any pending transactions. You should not see new charges after closing, but give pending transactions time to clear before the account fully closes.
Key Takeaways
- You close an Apple Card directly in the Wallet app by tapping the card, selecting Card Settings, and choosing "Close Card."
- Your balance must be paid in full before you can close the card; Apple will not let you close an account with an outstanding balance.
- The card is removed from Wallet when ready, but the account stays open briefly to process any pending transactions.
- Closing the card does not affect your credit report negatively, but it does lower your total available credit, which may slightly raise your credit utilization ratio.
What happens to your credit after closing
Closing a credit card account lowers the total amount of credit available to you. If you have balances on other cards, this can raise your credit utilization ratio — the percentage of your total credit limit that you are using. A higher utilization ratio can lower your credit score slightly, even if you pay on time.
The Apple Card account itself will remain on your credit report for seven years after closing, which is standard for all credit cards. During that time, it shows as "closed by consumer," which is neutral information. The account history — your on-time payments and low balances — stays visible to lenders and helps your credit profile.
If you are closing the card because you want to reduce the number of accounts you manage, consider whether the credit limit hit is worth it. If you are closing it because you no longer use it, the impact is usually small unless the card has a very high limit relative to your other credit.
Canceling if you have an unpaid balance
If you have a balance on your Apple Card when you want to close it, you must pay it off first. Open Wallet, tap the card, and select "Pay Now." You can pay the full balance, a minimum payment, or a custom amount. Use a bank account linked to Apple Pay or a debit card to make the payment.
Payments typically post within one to three business days. Once the balance reaches zero, return to Card Settings and close the card. If you need time to pay off the balance, you do not have to close the card when ready — you can wait until you have paid it down.
Do not close the card and then try to pay a remaining balance. Once the account is closed, paying it becomes more complicated, and you may face late fees or interest charges on the unpaid amount.
What to do with your Apple Card after closing
Once you close your Apple Card, it is removed from Wallet and you cannot use it for purchases. You do not need to physically destroy the card — it is a digital card that exists only in Wallet. Removing it from Wallet is the same as canceling it.
If you have set up recurring charges or subscriptions that use the Apple Card, those will fail after you close the card. Before closing, check your subscriptions and update the payment method for any that you want to keep. Go to Settings, tap your name, select "Subscriptions," and change the payment method for each active subscription.
You can reopen an Apple Card account later if you change your mind, though you will go through the full process process again. There is no waiting period, but you will need to meet Goldman Sachs' current approval standards at that time.
Reasons to close versus reasons to keep
Close your Apple Card if you no longer use it and want to simplify your wallet, or if you are unhappy with the rewards structure or customer service. Closing also makes sense if you are trying to reduce the number of accounts you manage or if you have moved to a different primary card.
Keep your Apple Card open if you use it regularly for purchases, especially if it is your main card for Apple ecosystem spending. The card offers 3% cash back on Apple purchases and 2% on other Apple Pay transactions, which can add up if you buy from Apple frequently. Keeping an unused card open also preserves your available credit and the account history, both of which help your credit score.
If you are on the fence, consider keeping the card but straightforward not using it. There is no annual fee, so it costs nothing to hold. You can always close it later if your situation changes.
Frequently Asked Questions
Will closing my Apple Card hurt my credit score?
Closing the card may lower your score slightly because it reduces your total available credit, which can raise your credit utilization ratio. The impact is usually small — typically a few points — and temporary. The account stays on your credit report for seven years, so the positive history remains visible to lenders.
Can I close my Apple Card if I have pending transactions?
Yes, you can close the card even if you have pending transactions. The account stays open briefly after closing to process any charges that have not yet posted. Make sure your balance is paid in full before closing, and give pending transactions a few days to clear.
What happens to my cash back rewards after I close the card?
Any cash back you have already earned stays in your Apple Cash account and remains yours to use. Cash back earned after you close the card will not be added. You can spend the cash back you have through Apple Pay or transfer it to a linked bank account.
Do I need to call anyone to close my Apple Card?
No. You close the card entirely through the Wallet app on your iPhone. There is no phone number to call or customer service process. The closure is when ready once you confirm in the app.
Can I reopen my Apple Card after closing it?
Yes, you can explore for an Apple Card again after closing it. You will go through the full process process, and Goldman Sachs will review your credit and income again. There is no waiting period, but approval is not may provide.