Where to update your card depends on which app you're using
You can update a credit card on your iPhone in three places: your Apple Wallet, a specific bank or card issuer's app, or a merchant app where you've saved payment details. The steps differ slightly for each, but all take under five minutes. Most people need to update their card in Apple Wallet if they've changed cards, or in their bank's app if the card details themselves have changed — like a new expiration date after your bank reissued it.
Start by identifying where you saved the card. If you use Apple Pay, the card lives in Wallet. If you shop at a specific retailer like Amazon or Target, the card is in that app. If you bank with Chase, Bank of America, or another institution, check their app first — they often store cards there too. You may need to update the card in more than one place if you've saved it in multiple apps.
Key Takeaways
- Apple Wallet stores cards for Apple Pay; open Wallet, tap the card, and select Edit to change expiration date, CVV, or billing address.
- Your bank or card issuer's app usually has a separate payment methods or cards section where you update the same details.
- Merchant apps like Amazon, Target, or Uber store cards independently; you must update each one separately through their settings or payment methods page.
- Updating a card in one app does not automatically update it in another, so check every place you use the card regularly.
- If your card was reissued by your bank, contact the bank first — they often push updates to Apple Pay automatically within 24 hours.
How to update a card in Apple Wallet
Open the Wallet app on your home screen. Tap and hold the card you need to update, or tap it once and then tap the three dots (•••) in the corner. Select Edit Card or Edit.
You can now change the expiration date, CVV (the three-digit security code on the back), or billing address. Tap each field to update it. When you're done, tap Done in the top right. Your changes save when ready and Apple Pay will use the updated information the next time you pay.
If your card was reissued by your bank and you see a notification in Wallet saying the card needs attention, tap that notification. Your bank may have already sent new details to Apple, and you just need to confirm them. This is faster than manually entering everything again.
How to update a card in your bank's app
Open your bank or card issuer's app and sign in. Look for a section called Cards, Payment Methods, Manage Cards, or Account Settings. The exact name varies by bank — Chase calls it "Cards," while American Express calls it "Manage Cards."
Tap the card you want to update. You'll usually see options to edit the expiration date, CVV, billing address, or card nickname. Tap Edit next to the field you need to change. Enter the new information and tap Save or Confirm.
Some banks, like Capital One and Discover, let you update your card details directly from the app's home screen by tapping your card image. Others require you to navigate to a settings menu first. If you can't find the option, check the app's help section or call the customer service number on the back of your card — they can walk you through it or update it for you over the phone.
How to update a card in merchant and payment apps
Apps like Amazon, Uber, DoorDash, Target, and Walmart store payment methods separately from your bank's app or Apple Wallet. Open the app and go to Account, Settings, or Profile. Look for Payment Methods, Saved Cards, or Billing.
Tap the card you want to update. Most apps let you edit the expiration date and CVV directly. Some require you to delete the old card and add a new one instead. If you see a Delete or Remove option but no Edit option, delete the card, then add it again with the updated information.
After you update or re-add the card, test it by making a small purchase or checking out without completing the order. This confirms the new details work before you rely on the card for a real transaction.
What to do if a card update fails or won't save
If you see an error message when trying to update, the most common cause is a typo in the expiration date or CVV. Double-check both fields — the expiration date format is usually MM/YY (for example, 03/26), and the CVV is always three digits on the back of the card (or four digits on the front of American Express cards).
If the information is correct but the app still won't save it, try signing out of the app completely and signing back in. Close the app entirely (swipe up from the bottom of the screen and swipe the app away), then reopen it. This refreshes the app's connection to your account.
If the problem persists, contact your bank or the app's customer service. Your card may have been flagged for security reasons, or there may be a temporary issue with the app itself. Your bank can confirm the card is active and sometimes push the update to the app on their end.
When your bank reissues your card automatically
If your bank reissued your card due to fraud, expiration, or a security update, they often update Apple Wallet and your bank's app automatically within 24 hours. You'll see a notification in Wallet or the bank app asking you to verify the new card. Tap the notification and confirm the new expiration date and CVV.
You still need to manually update merchant apps like Amazon, Uber, and DoorDash. Your bank cannot update those apps for you because they don't have access to them. Go through each app where you've saved the card and update the expiration date and CVV. This usually takes a few minutes per app.
If you don't update merchant apps quickly, your next purchase with that app may be declined. The app will usually prompt you to update the card at checkout, but it's faster to do it proactively in the app's settings.
Frequently Asked Questions
Do I have to update my card in every app where I saved it?
Yes. Each app stores your card information separately. Updating it in Apple Wallet does not update it in Amazon, Uber, or your bank's app. You must go into each app and update the card individually. The exception is your bank's app and Apple Wallet — if your bank reissued your card, they sometimes sync automatically, but you should still check both to be sure.
What information do I need to update a card?
You need the expiration date (MM/YY format) and CVV (the three-digit code on the back of your card, or four digits on the front for American Express). If you're updating your billing address, have your full address ready. You do not need to re-enter your full card number unless you're replacing the card entirely with a different one.
Will updating my card in one place affect my other cards?
No. Updating one card only changes that specific card in that specific app. If you have multiple cards saved in Apple Wallet or your bank's app, updating one does not touch the others. Make sure you're tapping the correct card before you edit.
What if I get an error saying my card is invalid?
Check the expiration date first — it's the most common source of errors. Make sure you're entering it as MM/YY (for example, 12/25 for December 2025). If the date is correct, verify the CVV. If both are correct and the error persists, contact your bank. Your card may have been temporarily locked for security, or there may be a technical issue with the app.
Can I update my card if I don't have the physical card in front of me?
You need the expiration date and CVV, which are printed on your card. If you don't have the card, call your bank and ask them to read the expiration date and CVV to you over the phone. They can also confirm the card is active and may be able to access to use. Do not share your full card number over the phone unless you initiated the call to your bank's official customer service number.