The process requires calling Goldman Sachs, not Apple

To cancel your Apple Card, you call Goldman Sachs customer service at the number on the back of your physical card or in the Wallet app. You cannot close the account through Apple or the Apple Wallet app itself — the card is issued and managed by Goldman Sachs, so they handle the cancellation. Have your card number ready when you call.

The call typically takes five to ten minutes. A representative will confirm your identity, ask why you are closing the account, and process the cancellation. Your account closes immediately, though pending transactions may still post for a few days. Any remaining balance must be paid before or at the time of cancellation.

Key Takeaways

  • Call Goldman Sachs at the number on your Apple Card or in Wallet to request cancellation — Apple itself cannot close the account.
  • Pay any outstanding balance before you call, or be prepared to settle it during the cancellation call.
  • Your card stops working right away, but pending charges may still appear on your statement for several days after closure.
  • Remove the card from Apple Pay and delete it from Wallet after cancellation to avoid accidental use attempts.
  • If you have an unpaid balance and want to keep the account open to pay it down, tell the representative — you do not have to close immediately.

What happens to your balance when you cancel

If you have a zero balance, the account closes with no further action needed. If you owe money, you must pay it in full before the account closes, or Goldman Sachs will keep the account open until the debt is settled. You can pay by phone during the cancellation call, by mailing a check, or by setting up a payment online before you call.

Interest continues to accrue on any remaining balance after cancellation. If you close the account with an unpaid balance, you will still receive monthly statements and payment reminders. The account will not reopen — you simply continue paying down the debt on a closed account until it reaches zero.

Removing the card from Apple Pay and Wallet

After you hang up from cancellation, open the Wallet app and find your Apple Card. Press and hold the card, then select "Remove Card" or the trash icon, depending on your iOS version. This step is important because attempting to use a closed card can trigger a decline, which may confuse you or a merchant if you accidentally select it at checkout.

If you have set the Apple Card as your default payment method in Apple Pay, change it to another card before you cancel. Go to Settings > Wallet and Apple Pay, select your default card, and choose a different one. This prevents the system from trying to use the closed card the next time you make a contactless payment.

What to do with your physical card after cancellation

Destroy the physical card by cutting it in half or shredding it. Do not throw it in the trash intact — the card number and security features remain readable and could be used if someone finds it. Cutting through the chip and magnetic stripe makes the card unusable even if someone retrieves it.

You do not need to mail the card back to Goldman Sachs or Apple. Simply dispose of it securely at home. If you are concerned about the card being intercepted in the mail, destroying it yourself is the safer option.

Timing and what to expect after cancellation

The account closes the same day you call. Pending transactions — charges that have not yet posted to your statement — may still appear for up to three business days after closure. These are transactions the merchant submitted before you cancelled but that Goldman Sachs had not yet processed. You remain responsible for these charges.

Your final statement will arrive within 30 days and will show all transactions through the cancellation date, plus any pending charges that posted afterward. Keep this statement for your records. If you dispute a charge after cancellation, you will need to contact Goldman Sachs again, as the account no longer appears in the Wallet app.

If you want to keep the account open but stop using the card

You do not have to cancel to stop using the Apple Card. If you want to keep the account open — for example, to maintain a longer credit history or to preserve a zero balance — simply remove it from Apple Pay and Wallet and stop carrying the physical card. The account will remain active with no monthly fee.

An inactive account does not hurt your credit score. As long as you do not close it, the account age continues to count toward your credit history. If you change your mind later, you can reactivate the card by calling Goldman Sachs or by adding it back to Wallet if it is still in your name.

Reasons Goldman Sachs may deny your cancellation request

Goldman Sachs will not refuse to cancel your account, but they may ask you to resolve a dispute or fraud claim before closing. If you have reported unauthorized charges, the investigation must finish before the account can close. This typically takes 10 to 30 days. You can still cancel after the investigation concludes.

If you have a balance in collections or a legal judgment against you, Goldman Sachs may require you to settle the debt before closing. In rare cases, they may close the account unilaterally if you have violated the cardholder agreement, but this is uncommon. Most cancellation requests go through without complication.

Frequently Asked Questions

Can I cancel my Apple Card through the Wallet app?

No. The Wallet app lets you remove the card from your phone, but that is not the same as closing the account. You must call Goldman Sachs to actually cancel the account. Removing it from Wallet just stops you from using it in Apple Pay.

What if I have pending transactions when I cancel?

Pending transactions will still post to your account after cancellation. You remain responsible for paying them. They may appear on your final statement within a few days. If you dispute one, contact Goldman Sachs with your statement as proof.

Do I lose my Apple Card cash back if I cancel?

No. Any cash back you have already earned remains in your account and will be applied to your balance or refunded to your original payment method within 30 days of cancellation. Unearned cash back (rewards on future purchases) stops accruing once the account closes.

How long does it take for the account to fully close?

The account closes immediately when you call, but pending transactions may post for up to three business days. Your final statement arrives within 30 days. After that, the account is fully closed and no longer appears in your credit reports as an active account.

Can I reopen my Apple Card after I cancel it?

You would need to reapply as a new customer. Goldman Sachs does not reopen closed accounts. If you cancelled recently and changed your mind, call them to ask whether you can cancel the cancellation — some issuers allow this within a short window, though Apple Card policies on this are not publicly documented.