Contact Goldman Sachs to close your Apple Card
To close your Apple Card, you contact Goldman Sachs directly — not Apple. Goldman Sachs is the bank that issues the card and manages the account. You can reach them by phone, mail, or through the Wallet app on your iPhone.
The phone number for Goldman Sachs Apple Card support is 1-877-255-5923. Have your card number ready when you call. A representative will walk you through the closure process and answer questions about your balance or rewards.
If you prefer not to call, you can send a written request to Goldman Sachs at the address printed on your statement or card. Include your full name, card number, and a clear statement that you want to close the account. Mail takes longer than a phone call, but creates a paper record of your request.
Key Takeaways
- Call Goldman Sachs at 1-877-255-5923 to close your Apple Card; they are the issuer, not Apple.
- Pay off any remaining balance before or during the closure call, as the account cannot fully close with an outstanding balance.
- Your existing Apple Card rewards points remain in your Apple Account and can still be used after the card is closed.
- Closing the card does not affect your ability to use Apple Pay or other Apple services.
- After closure, your credit report will show the account as closed, which may temporarily affect your credit score.
Pay your balance before closing
If you have a balance on your Apple Card, you need to pay it off before the account can be fully closed. Goldman Sachs will not close an account with an outstanding balance. You can pay through the Wallet app, by phone, or by mailing a check to the address on your statement.
If you have a small remaining balance and want to close when ready, ask the representative during your closure call whether you can pay it over the phone at that time. Many cardholders do this to complete the process in one conversation.
What happens to your Apple Card rewards
Any rewards you have earned remain in your Apple Account after the card closes. You do not lose the points or cash back. You can continue to use these rewards to make purchases through Apple Pay or redeem them for other options available in the Wallet app.
The rewards do not expire when the card closes. However, check your Wallet app before closing to see your current balance, so you know what you have available after the account is closed.
Closing the card and your credit score
Closing a credit card typically lowers your credit score in the short term. This happens because closing an account reduces your total available credit, which changes your credit utilization ratio — the amount of credit you use compared to the amount available to you.
The impact is usually temporary. Your score will recover over time as you continue to pay other accounts on time. If the Apple Card is one of your oldest accounts, closing it may have a slightly larger effect because credit age factors into your score.
Apple Pay and other Apple services still work
Closing your Apple Card does not affect Apple Pay, iCloud, or any other Apple service. You can still use Apple Pay with other cards you have added to your Wallet. The closure only removes the Apple Card itself from your account.
If you were using the Apple Card as your default payment method in the Wallet app, you will need to select a different card as your default after closure. This takes one tap in the Wallet app settings.
Removing the card from your iPhone
After you close the account with Goldman Sachs, you can remove the card from your Wallet app. Open Wallet, tap and hold the Apple Card, scroll down, and select "Remove Card." This step is optional — the card will no longer function after closure, but you can leave it in your Wallet as a record if you prefer.
Removing the card from Wallet does not close the account; the account is already closed through your call to Goldman Sachs. Removing it from Wallet is just a cleanup step on your phone.
What to do if you cannot reach Goldman Sachs by phone
If you have trouble reaching Goldman Sachs by phone, try contacting them through the Wallet app. Open Wallet, select the Apple Card, tap the three dots in the upper right, and look for a "Contact Us" or "Message Us" option. Response times through the app are usually one to two business days.
You can also send a certified letter to Goldman Sachs requesting closure. Include your card number, full name, and account details. Certified mail creates proof of your request and is useful if you want documentation that you initiated closure on a specific date.
Frequently Asked Questions
Can I close my Apple Card through the Wallet app?
No, you must contact Goldman Sachs directly by phone, mail, or through the app's messaging feature. The Wallet app does not have a built-in closure option. Calling 1-877-255-5923 is the fastest way to complete the process.
What happens to my Apple Card number after I close the account?
Your card number becomes inactive and cannot be used for any transactions. If you have set up recurring payments or subscriptions using the Apple Card, you will need to update those with a different payment method before or after closure to avoid payment failures.
Do I lose my Apple Card cash back if I close the account?
No, your cash back and rewards stay in your Apple Account. You can use them to make purchases through Apple Pay or redeem them through the Wallet app even after the card is closed.
How long does it take to close an Apple Card?
The closure is usually processed when ready after your call to Goldman Sachs, though it may take one to two business days to fully reflect in your account. Your card will stop working right away, but the account may show as "pending closure" for a few days.
Will closing my Apple Card hurt my credit?
Yes, but typically only in the short term. Your score may drop 10 to 50 points depending on your credit profile and how long you have held the card. The impact usually fades within three to six months as you continue to manage other accounts responsibly.