Where to find your saved cards on iPhone
Your iPhone stores credit card information in two places: the Wallet app and your iCloud Keychain. The Wallet app holds cards you've added for Apple Pay — the contactless payment system you use at stores and online. The Keychain holds cards you've saved in Safari for faster checkout on websites.
To see what's in Wallet, open the Wallet app (the icon looks like a leather wallet), then tap the card you want to change. To see what's in Keychain, go to Settings > Passwords, then search for the website where you saved the card. Both locations let you update or remove cards, but the steps differ slightly.
Key Takeaways
- Cards in Wallet (for Apple Pay) and cards in Keychain (for website checkout) are stored separately, so you may need to update both if you use the same card in both places.
- To change a card in Wallet, open the Wallet app, tap the card, tap the three dots, and select "Edit Card Details" or "Remove Card."
- To change a card saved in Keychain, go to Settings > Passwords, find the website, and tap "Edit" to update the card number or delete it.
- After you update a card number, test it on a small purchase to make sure the new card works before relying on it for larger transactions.
Updating a card in Apple Wallet
Open the Wallet app and find the card you want to change. Tap it to see the front, then look for a three-dot menu icon (usually in the top right corner). Tap that menu and select "Edit Card Details" or a similar option — the exact wording depends on your iOS version.
From there, you can update the card number, expiration date, CVV (the three-digit security code on the back), and the cardholder name. Make the changes and tap "Done" or "Save." If you want to remove the card entirely instead of editing it, tap the menu again and select "Remove Card."
After you update the card, your iPhone will send the new information to your bank or card issuer for verification. This usually takes a few minutes, but occasionally takes up to 24 hours. You'll see a notification when the update is complete.
Updating a card saved in Safari or Keychain
If you've saved a card in Safari for website checkout, it's stored in your iCloud Keychain. Go to Settings, scroll down and tap "Passwords," then tap "Password Options" at the top. Search for the website name where you saved the card — for example, "Amazon" or "Target."
Tap the website result to open it. You'll see the saved card information. Tap "Edit" in the top right, then update the card number, expiration date, or CVV. Tap "Done" when you're finished. If you want to delete the card instead, tap "Edit" and then tap the red minus sign next to the card.
Some websites also let you update your card directly through their own account settings, which is often faster than editing it in Keychain. Log into the website, go to "Payment Methods" or "Saved Cards," and update it there. That way, the next time you check out, Safari will pull the updated information.
What happens when you update a card number
When you change a card number on your iPhone — whether in Wallet or Keychain — the old number stays in your phone's memory until you manually delete it. This is intentional: if your old card is still active, you might need it for a subscription or recurring charge that hasn't switched over yet.
After you update a card, check any subscriptions or recurring payments you have set up. Apps like Netflix, Spotify, or your gym membership may still be trying to charge the old card. Go to Settings > [Your Name] > Subscriptions to see what's active, then update the payment method for each one if needed.
If your old card is no longer active (for example, your bank closed it or you lost it), you can safely delete it from your iPhone. In Wallet, tap the card, tap the menu, and select "Remove Card." In Keychain, tap "Edit" and tap the red minus sign. Deleting it from your phone won't affect the card itself — it just removes it from your device.
Testing your new card before relying on it
After you update a card on your iPhone, make a small test purchase before using it for something important. Buy a coffee, a song from iTunes, or a small item from an app. This confirms that the new card number was entered correctly and that your bank accepted it.
If the test purchase fails, check three things: the card number (make sure you didn't skip a digit), the expiration date (many people enter the wrong month or year), and the CVV (the three-digit code on the back). If all three are correct and the purchase still fails, contact your bank — they may have flagged the transaction as suspicious, or there may be a problem with the card itself.
Removing a card you no longer use
If you're replacing an old card with a new one and don't plan to use the old card again, remove it from your iPhone. This reduces clutter in Wallet and lowers the risk if your phone is lost or stolen.
In Wallet, tap the card, tap the menu (three dots), and select "Remove Card." Confirm when prompted. In Keychain, go to Settings > Passwords, find the website, tap "Edit," and tap the red minus sign next to the card. Neither action affects your actual card or your bank account — it only removes the information from your phone.
Frequently Asked Questions
Will updating my card on iPhone affect my actual bank account?
No. Updating the card information on your iPhone only changes what's stored on your device. Your bank account and the card itself remain unchanged. The bank will verify the new information when you make your first purchase with the updated card.
Can I have multiple cards in Apple Wallet?
Yes. You can add as many cards as you want to Wallet. When you pay at a store or online, you choose which card to use. You can also set a default card so it's selected automatically unless you pick a different one.
What if I forget my iPhone passcode and can't access my cards?
Your cards are encrypted and locked behind your passcode or Face ID. If you forget your passcode, you'll need to reset your iPhone through Apple's recovery process. You can do this on a computer or at an Apple Store. Your cards will still be there after you reset and sign back in with your Apple ID.
Do I need to update my card in both Wallet and Keychain?
Only if you've saved the same card in both places. Check Wallet first, then go to Settings > Passwords and search for websites where you shop. Update the card anywhere you've saved it. Some people use different cards for different purposes, so you may only need to update one location.
Can I update a card on someone else's iPhone?
Only if you know their passcode or have Face ID access. Cards are protected by the same security as the rest of the phone. If you're setting up a card for a family member, ask them to enter their passcode while you guide them through the steps, or have them do it themselves.