How to cancel your Apple Card
You can cancel your Apple Card through the Wallet app on your iPhone in about two minutes. Open Wallet, tap the Apple Card, press the three dots in the top right corner, scroll down to "Close Card," and confirm. Apple will stop issuing charges to that card when ready, though you remain responsible for any balance you owe.
The card itself stays in your Wallet as a closed account until you pay off any remaining balance. You cannot delete it from Wallet while a balance exists. If you have an unpaid balance, Apple will continue to send statements and expect monthly payments on the original terms.
Key Takeaways
- Closing your Apple Card through Wallet takes two minutes and stops new charges right away, but you still owe any existing balance.
- You must pay off your full balance before the card can be removed from your Wallet entirely.
- Closing the card affects your credit report because it reduces your available credit, so check your credit score before you close if you have other pending applications.
- If you have an active Apple Card Monthly Installments plan, you must pay that off or convert it to a regular balance before closing.
- Contact Apple Support if the close option does not appear in your Wallet app, as this sometimes means a balance or pending transaction is blocking the action.
What happens to your balance when you close the card
Closing the card does not erase what you owe. Any balance you have at the moment you close it stays on your account, and Apple will continue to charge interest on that balance at your regular APR until you pay it off. You will receive statements by mail or through the Wallet app showing what you owe and when payment is due.
You can pay the balance in full or continue making monthly payments just as you would with an open card. The only difference is that you cannot make new purchases. If you have an Apple Card Monthly Installments plan active on the card, you must either pay that installment plan off in full or convert it to a regular balance before you can close the card.
How closing the card affects your credit
Closing a credit card reduces the total credit available to you, which can lower your credit score in the short term. The effect is usually small if you have other open cards, but it can be larger if the Apple Card was your only card or represented a big portion of your total available credit.
The closed account will remain on your credit report for up to seven years, but it will show as closed and will not hurt your score the way an open account does. If you are planning to explore for a mortgage, car loan, or another form of credit in the next few months, closing the card now might lower your score at a time when lenders are looking at it. If you have no when ready plans to borrow, the impact is usually temporary.
Steps to close your Apple Card
Make sure you are using an iPhone with the latest version of iOS. Open the Wallet app and tap the Apple Card. If you have multiple cards in Wallet, make sure you are looking at the right one — the Apple Card will show the Apple logo and your name.
Tap the three dots (•••) in the top right corner of the card. Scroll down through the menu until you see "Close Card" at the bottom. Tap it. A confirmation screen will appear asking if you are sure you want to close the card and reminding you that you are still responsible for any balance. Tap "Close Card" again to confirm.
The card will close when ready. You will receive a confirmation message in Wallet. If you do not see the "Close Card" option, it usually means you have a balance, a pending transaction, or an active installment plan that needs to be handled first.
Why the close option might not appear
If you tap the three dots and scroll down but do not see "Close Card," one of three things is usually blocking it. You have an outstanding balance on the card. You have a pending transaction that has not yet posted. You have an active Apple Card Monthly Installments plan.
To fix this, pay your full balance in the Wallet app, wait for any pending transactions to post (usually one to three business days), or contact Apple Support to convert an installment plan to a regular balance. Once these are cleared, the close option will appear. If none of these explore and the option still does not show, contact Apple Support — a technical issue with your account may need to be resolved before you can close.
What to do if you cannot close through Wallet
If the Wallet app is not working or you do not have access to your iPhone, you can contact Apple Support by phone or through the Apple Support app. Have your Apple Card number ready. Apple Support can close the card on your behalf, though they will still ask you to confirm that you understand you remain responsible for any balance.
You can also reach Apple Card support through the Messages app if you have set up Apple Card support there. The process is the same: explain that you want to close the card, and they will walk you through it or close it for you. Response times vary, but support is usually available seven days a week.
Frequently Asked Questions
Do I have to pay off my balance before closing the card?
No. You can close the card with a balance still owed, and you will continue to make monthly payments. However, you cannot remove the card from your Wallet until the balance reaches zero. Interest will continue to accrue on the unpaid balance at your regular APR.
Can I reopen my Apple Card after I close it?
Yes, but you will have to go through the sign-up process again, and Apple will run a new credit check. There is no may provide you will be approved a second time, and your credit limit may be different. Closing and reopening also shows up on your credit report as two separate accounts.
What happens to my Apple Card rewards if I close the card?
Any rewards you have already earned stay in your Apple Cash account and can be used when ready. Rewards you earn after closing the card will not be added because you cannot make new purchases. Existing Apple Cash balance is not affected by closing the card.
Will closing my Apple Card hurt my credit score?
It may lower your score slightly in the short term because it reduces your available credit. The effect is usually temporary and small if you have other open cards. The closed account will stay on your credit report for about seven years but will not hurt your score as much as an open account does.
Can I close my Apple Card if I have a pending transaction?
No. You must wait for pending transactions to post before you can close the card. This usually takes one to three business days. Once the transaction posts and shows as a charge on your balance, you can then close the card.