You can close a Chase credit card through their website, by phone, or in person at a branch — online is fastest if you have access to your account
Chase lets you close most credit cards through their website without calling or visiting a branch. Log into your Chase account, navigate to the card you want to close, and look for a "Close Account" or "Manage Card" option. The exact steps vary slightly depending on whether you have a personal or business card, but the process takes about five minutes once you are logged in.
Before you close the account, Chase will ask you why you are closing it — this is optional feedback, not a barrier. They may also offer you a retention offer (a bonus, lower rate, or waived fee) to keep the card open. You can accept or decline. Once you confirm the closure, the card is closed when ready, though it can take a few days for the status to update across all Chase systems.
Key Takeaways
- Log into Chase.com or the Chase mobile app, find the card in your account, and select the option to close the account — no phone call required.
- Chase will show you your current balance and ask whether you want to pay it off before closing; you can close with a balance, but interest will keep accruing.
- The card closes when ready online, but the status change may take a few business days to show on your credit report.
- If you cannot find the close option online, call the number on the back of your card or visit a Chase branch in person.
Step-by-step: closing through Chase.com
Start by logging into your Chase account at Chase.com or opening the Chase mobile app. Once you are logged in, find the credit card you want to close — it will appear in your list of accounts under "Credit Cards" or "My Accounts."
Click or tap on the card. Look for a menu icon (three horizontal lines) or a "Manage" button, usually in the top right or bottom of the card details screen. Select "Close Account" or "Close Credit Card" from the menu. Chase will then show you your current balance, any pending transactions, and ask you to confirm the closure.
If you have a balance, Chase will ask whether you want to pay it before closing. You can close with a balance still owed — the account will close, but you will continue to receive statements and pay interest until the balance is paid off. Once you confirm, the closure is complete.
What happens to your balance when you close
If your card has a zero balance, closing it is straightforward — the account closes and you are done. If you have a balance, the account still closes, but the balance does not disappear. You will continue to owe the money and will receive monthly statements until it is paid.
Interest will continue to accrue on the remaining balance at your current APR unless the card has a promotional 0% rate that is still active. Some promotional rates end when the account closes, so check your card terms or call Chase before closing if you are carrying a balance on a promotional offer.
The best practice is to pay off the balance before closing, or at least pay it down to zero. This avoids ongoing interest charges and makes the closure cleaner from a credit perspective.
How closing affects your credit score
Closing a credit card can lower your credit score in the short term, usually by 5 to 10 points, because it reduces your total available credit. If the card you are closing is your oldest account, the impact may be slightly larger because credit age matters to your score.
The impact is temporary. Your score will recover over time as you continue to pay other accounts on time and your credit history ages. Closing a card with a high balance or high utilization (the amount you owe relative to your limit) may actually help your score slightly by lowering your overall utilization ratio.
The closed account will remain on your credit report for seven to ten years, so the closure itself does not erase your history with that card.
If you cannot find the close option online
Some Chase cards, particularly older accounts or certain business cards, may not have a close option visible in the online portal. If you cannot find it after checking both the website and the mobile app, call the customer service number on the back of your card.
A representative can close the account over the phone in about five minutes. You can also visit a Chase branch in person and ask a banker to close the account for you. Both methods are free and require no special documentation beyond your card and account information.
After you close the account
Once the account is closed, stop using the card when ready. The card will no longer be active for new purchases, though pending transactions may still process for a few days. Destroy the physical card by cutting it up or shredding it.
Check your credit report a few weeks after closing to confirm the account status has updated. You can view your credit report free once per year at AnnualCreditReport.com. The closed account will show as "Closed by Consumer" on your report, which is a neutral status.
If you were using this card for recurring charges (subscriptions, utilities, automatic payments), update those merchants with a new payment method before closing. Charges that try to process after the account is closed will be declined.
Frequently Asked Questions
Will Chase try to stop me from closing my card?
Chase may offer you a retention bonus or other incentive to keep the card open, but they cannot force you to keep it. You can decline any offer and proceed with closing. If you are interested in the offer, you can accept it and close later, or negotiate the terms before deciding.
Can I reopen a Chase card after I close it?
Chase generally does not reopen closed accounts. If you close a card and change your mind, you would need to open a new card instead. The new card would have a new account number and would not restore your old account history, though the closed account remains on your credit report.
What if I have pending charges on the card when I close it?
Pending charges that have not yet posted will still process after you close the account. The account closure does not stop transactions that are already in the pipeline. Once those pending charges post, you will owe the balance and will need to pay it off.
Do I need to pay off my balance before closing?
No, you can close with a balance. However, you will continue to owe the money and will pay interest on it until it is paid off. Paying the balance first is simpler and avoids ongoing interest charges.
How long does it take for the account to fully close?
The account closes when ready when you confirm online, but it can take three to five business days for the status to update across all Chase systems and appear on your credit report. During this time, the card is no longer active for purchases, but the account is still technically open in their system.