You can cancel a Chase credit card through the Chase mobile app, the online portal, or by phone — the app and portal are fastest if you want to avoid a call
The quickest route is the Chase mobile app or Chase.com. Log in, find the card in your account, and look for a "Close Account" or "Manage Card" option. Chase does not always make this button obvious, so if you cannot find it after a minute or two, calling is often faster than searching. The phone number is on the back of your card or in your account settings.
Before you close the account, pay off any remaining balance. Chase will not let you close a card with an outstanding balance, and even if they did, you would still owe the money. If you have pending transactions, wait for them to post before you initiate the closure.
The closure itself takes a few minutes. Chase will confirm it when ready, and you should receive written confirmation by mail within 7 to 10 days. The card stops working right away, though the account remains open in Chase's system for up to seven years for record-keeping purposes.
Key Takeaways
- The Chase mobile app and Chase.com both have account closure options that work without a phone call, though the buttons are not always straightforward to find.
- You must pay off your full balance before closing; Chase will not process a closure on an account with money owed.
- The card stops working when ready after closure, but the account stays in Chase's records for seven years.
- You will receive written confirmation of the closure in the mail within a week or two.
- If you cannot find the closure option online, calling the number on the back of your card is faster than continuing to search.
Finding the Close Account Option in the Chase App
Open the Chase mobile app and log in. Tap the card you want to close from your list of accounts. Scroll down or look for a menu icon (usually three dots or lines) at the top or bottom of the card details screen.
Tap "Manage Card" or "Card Services" — the exact wording varies by card type. From there, look for "Close Account," "Close Card," or "Permanently Close This Account." Some cards bury this option under "More Options" or "Additional Services." If you see it, tap it and follow the prompts to confirm.
If the option does not appear after you have looked through the main menu and any submenus, your card type may not support online closure through the app. This is uncommon but does happen with some business cards or older card products. In that case, phone closure is your next step.
Closing Your Card Through Chase.com
Go to Chase.com and log in to your account. Click on the card you want to close under "Your Accounts" or "Cards." On the card details page, look for a "Manage" button or a settings icon.
Click "Manage Card" or "Card Services." Scroll down to find "Close Account" or similar language. Click it, and Chase will walk you through a brief confirmation screen asking you to confirm the closure and sometimes asking why you are closing the card. This last question is optional — you do not have to answer it to proceed.
After you confirm, the system will show you a confirmation number. Write it down or take a screenshot. This number is your proof that you initiated the closure, and it will match the confirmation letter Chase sends you.
Closing Your Card by Phone
Call the customer service number on the back of your card. You can also find it in your Chase account under "Contact Us." Have your card number and a form of ID ready.
Tell the representative you want to close the card. They will confirm your identity, check that your balance is zero, and then process the closure. The entire call usually takes 5 to 10 minutes. Ask the representative for a confirmation number before you hang up, and write it down.
Chase's phone lines are open seven days a week, typically from 8 a.m. to 9 p.m. Eastern time, though hours vary slightly by card type. Calling early in the morning or late in the evening usually means shorter wait times than calling during business hours.
What Happens to Your Credit After Closure
Closing a credit card can lower your credit score in the short term because it reduces your total available credit. If you had a $5,000 limit and that was your only card, closing it means your available credit drops to zero, which can hurt your score temporarily.
The impact is usually smaller if you have other cards open. The score hit also fades over time — most of the damage is done in the first few months, and the effect largely disappears after six months to a year.
The closed account stays on your credit report for seven years, which is actually helpful: it shows a history of on-time payments and responsible credit use. You do not need to do anything to keep it there. It will age off automatically after seven years.
Paying Off Your Balance Before Closing
If your card has a balance, you must pay it in full before Chase will close the account. You can pay online through Chase.com or the app, by phone, by mail, or at a Chase branch.
The fastest method is online: log into your account, find the card, and click "Make a Payment." You can pay the full balance or a specific amount. The payment posts within one to two business days if you pay from a Chase account, or three to five business days if you pay from another bank.
If you have pending transactions that have not yet posted, wait for them to show up in your account before you close the card. This prevents confusion about whether the balance is truly zero. Pending transactions usually post within 24 to 48 hours.
What to Do If You Cannot Find the Close Option
Not every Chase card product offers online closure. Business cards, some premium cards, and older card products sometimes require a phone call. If you have looked through the app and the website and cannot find a "Close Account" button, calling is the right move.
You can also contact Chase through their website chat feature if you prefer not to call. Go to Chase.com, scroll to the bottom, and click "Contact Us." Select your card type and look for the chat option. A representative can walk you through closure or tell you whether your card requires a phone call.
Do not close the card through a third-party service or website that claims to do it for you. These services are unnecessary and sometimes charge a fee. Chase closure is always free and always handled directly by Chase.
After Your Card Is Closed
Once the closure is complete, the card stops working when ready. You cannot use it for new purchases, and any recurring charges linked to that card will fail. Update any subscriptions or automatic payments to a different card before you close the account, or they will be declined.
You will receive a written confirmation letter from Chase within 7 to 10 business days. Keep this letter with your financial records. If there is ever a dispute about whether the account was closed, this letter is your proof.
If you closed the card by phone or through chat, you already have a confirmation number. If you closed it through the app or website, you should have taken a screenshot of the confirmation screen. Either way, you have documentation. If you did not save it, you can log into your Chase account and look for a record of the closure in your account history or statements.
Frequently Asked Questions
Will closing my Chase card hurt my credit score?
Yes, but usually only in the short term. Your score may drop 5 to 20 points when ready because your available credit decreases. The impact is smaller if you have other cards open. Most of the damage fades within six months to a year, and the closed account stays on your report for seven years, which actually helps your score because it shows a positive payment history.
Can I close my card if I have a balance?
No. Chase will not process the closure until the balance is zero. You must pay off the full amount first. You can pay online, by phone, by mail, or at a branch — online is fastest.
What if I have pending transactions when I close the card?
Wait for pending transactions to post before you close the account. This usually takes 24 to 48 hours. Closing with pending transactions can create confusion about whether the balance is truly zero, and it may delay the closure process.
Do I need to cut up my card after closing it?
You should cut or shred the card to prevent someone from finding it and attempting to use it, even though it will not work. The card stops functioning when ready upon closure, but destroying it is a good security practice.
Can I reopen a closed Chase credit card?
Chase generally does not reopen closed accounts. If you change your mind, you would need to explore for the card again as a new account. explore when ready after closure may result in a denial because Chase sees the recent closure as a sign of account mismanagement, so waiting a few months is usually better.