Delete a credit card from Apple Wallet in three steps
To remove a credit card from your iPhone, open the Wallet app, tap the card you want to remove, scroll to the bottom, and tap "Remove Card." Confirm the removal when prompted. The card stays active with your bank — this only removes it from your phone.
If you use that card for Apple Pay, removing it from Wallet means you can no longer tap to pay with it at stores or online. You can add it back later by opening Wallet, tapping the plus icon, and entering the card details again.
Key Takeaways
- Deleting a card from Wallet does not close the account or affect your credit — it only removes the card from your phone.
- You need to open the Wallet app and find the specific card before you can see the remove option.
- After deletion, you can re-add the same card to Wallet at any time using the card number or by scanning it with your camera.
- If you want to stop using a card entirely, you must contact your bank or card issuer to close the account.
Step-by-step: removing a card from Wallet
Open the Wallet app on your home screen. It looks like a gray or dark rectangle with a white card symbol. Tap it to launch the app.
Find the card you want to remove. Wallet shows all your cards in a stack. Swipe left or right to scroll through them, or tap the card directly if you can see it. Once you have the right card on screen, tap it once to select it.
Tap the three dots (or menu icon) in the top right corner of the card. A menu will appear with several options. Scroll down to find "Remove Card" and tap it. A confirmation message will ask if you are sure. Tap "Remove" again to confirm.
What happens after you delete the card
The card is gone from your iPhone, but your account with the bank is unchanged. Your credit score is not affected. The card itself remains active with your bank unless you close the account separately.
You will no longer be able to use that card for Apple Pay at checkout, online purchases, or in apps that accept Apple Pay. If you need to pay with that card again, you can add it back to Wallet by opening the app, tapping the plus icon, and entering the card number or scanning it with your camera.
How to add a card back to Wallet
Open Wallet and tap the plus icon in the top right corner. You can enter the card number manually by typing it in, or tap the camera icon to scan the card with your phone's camera. The camera will read the card number automatically.
After you enter or scan the number, Wallet will ask for the expiration date and CVV (the three-digit security code on the back). Enter those details and tap "Next." Your bank may ask you to verify the card with a code sent to your phone or email. Once verified, the card is back in Wallet and ready to use.
Removing a card without opening Wallet
You can also remove a card through your iPhone Settings. Open Settings, scroll down and tap "Wallet & Apple Pay," then tap "Cards." Find the card you want to remove and swipe left on it. A red "Remove" button will appear. Tap it to delete the card.
This method works the same way as removing it from the Wallet app — the card is deleted from your phone but remains active with your bank.
If you want to close the card account entirely
Deleting the card from Wallet is not the same as closing the account. If you want to stop using the card altogether, you must contact your bank or card issuer directly. Call the number on the back of the physical card or log into your online banking portal to find the account closure option.
When you close an account, the bank will stop charging any annual fees and the card will no longer work anywhere. Closing a credit card can affect your credit score, so speak with your bank about the impact before you proceed.
Frequently Asked Questions
Does deleting a card from Wallet close my account?
No. Deleting a card from Wallet only removes it from your iPhone. Your bank account stays open and active. To close the account, you must contact your bank directly.
Can I add the same card back to Wallet after I delete it?
Yes. Open Wallet, tap the plus icon, and enter the card number or scan it with your camera. Your bank will verify it and add it back to your phone.
Will deleting a card hurt my credit score?
No. Removing a card from Wallet has no effect on your credit. Your bank still reports the account as open and active. Only closing the account with your bank can affect your credit.
What if I forget which card I deleted?
Check your bank's app or online portal to see all your active cards. You can also call your bank to confirm which cards are open. Then add the card back to Wallet if you need it.
Can I delete a card if it's set as my default payment method?
Yes, but Wallet will ask you to choose a different default card first. Open Settings, tap "Wallet & Apple Pay," and change the default card before you delete the old one.