How to dispose of credit cards safely means destroying the parts that hold your information: the chip, the magnetic stripe, the card number, the expiration date, and the security code. Cut through all of them, or use a cross-cut shredder rated for cards, and spread the pieces between different trash bags. Metal cards are hard to cut, so many issuers offer prepaid return envelopes. Before destroying a card, make sure the replacement is activated and any automatic payments have moved to the new card. Most plastic cards aren’t accepted in curbside recycling.
Before you destroy a card
- Activate the replacement card, if you have one.
- Update automatic payments and saved card numbers.
- Close the account if you no longer want it, and confirm the balance is zero.
- Check for rewards you want to redeem first.
Cutting a plastic card
| Part | Why cut it |
|---|---|
| Chip | Contains account data |
| Magnetic stripe | Holds card data |
| Card number | Can be used for online fraud |
| Name and expiration | Help complete fraud |
| Security code | Needed for online purchases |
Cut the card into many small pieces, cutting through the chip in several places. Put pieces in different trash bags or dispose of them over several days.
Shredders
Many cross-cut and micro-cut shredders handle credit cards. Check the shredder’s rating. Shredding services also destroy cards securely. See how to dispose of old documents.
Metal cards
Metal cards can damage scissors and shredders. Call your issuer; many send prepaid envelopes to return old metal cards for secure destruction. Some metal cards can go to scrap metal recyclers after the chip is destroyed, but issuer return is the safest choice.
Recycling
Most cards are PVC plastic, which curbside programs don’t accept. Some specialty programs collect cards for recycling. The chip is a tiny electronic component, but it’s not practical to recycle separately.
Other cards
Gift cards, hotel key cards, store cards, and old IDs can be destroyed the same way. Driver’s licenses may need to be returned or destroyed according to state rules.
Expired cards
Expired cards still show your name and account number, which may stay the same on the replacement. Destroy them right away.
Why it matters
Fraudsters can use card numbers for online purchases even without the physical card. Proper destruction reduces the risk.
If a card is lost
If you can’t find an old card, call the issuer to lock or cancel it. Monitor statements for unfamiliar charges, and consider checking your credit reports.
Digital wallets
If you added a card to a phone wallet or online accounts, remove the old card there too. Old card numbers saved in browsers and shopping sites can be deleted from account settings.
How to dispose of credit cards FAQ
What is the best way to destroy a credit card?
Cut through the chip, number, and stripe, or use a card-rated shredder.
Can credit cards be recycled?
Rarely; most curbside programs don’t accept them.
How do I dispose of a metal credit card?
Ask the issuer for a return envelope.
Do I need to cut the chip?
Yes, cut through it in several places.
Should I destroy expired cards?
Yes, they still show account information.
The bottom line
How to dispose of credit cards: activate the replacement, update automatic payments, cut through the chip, number, and stripe or use a card-rated shredder, and spread the pieces between trash bags. Return metal cards to the issuer. Use the map to find shredding and recycling options near you.
Guides and tools
Electronics recycling guide · Dump cost calculator · All material guides