How do you dispose of metal credit cards?

In this article, we discuss the various ways to dispose of your metal credit card in a safe manner. Furthermore, we also discuss the importance of disposing of credit cards in the right way.

How do you dispose of metal credit cards?

You can dispose of metal credit cards by doing the following things:

  • Mail it to your issuer
  • Return it to a bank branch
  • Stow it away
  • Destroy it yourself
  • Don’t trust a third-party service

What are metal credit cards and why are they popular?

Metal credit cards date back to the 1920s, when buyers could pay for purchases with metal charge plates or pennies. In the 1950s, banks began to issue the plastic cards that we are all familiar with. 

The American Express Centurion Card, often known as the Black Card, was the first contemporary metal card, released in 1999.

The card is only available by invitation and comes with a $7,500 initiation cost and a $2,500 yearly fee.

Other exclusive credit cards, such as the Dubai First Royale Mastercard and the J.P. Morgan Reserve Card, also have attention-grabbing metal designs. The Royale card is even trimmed in real gold and has a diamond in the centre.

Metal credit cards have gained in popularity in recent years, with more than 20 options accessible to the general public. Brass, copper, brushed stainless steel, titanium, gold, or palladium can all be used to make cards. Some are even made of a combination of plastic and metal.

Metal credit cards are still uncommon compared to the hundreds of cards offered from banks and credit unions around the country, but they are among the most popular.

Metal credit cards appear to be more appealing to consumers who seek out cutting-edge technology. They’re also perceived to elevate a customer’s status. People tend to see metal cards as a sign of luxury.

Because consumers perceive metal cards as higher quality, credit card issuers have swapped some plastic cards for metal ones.

Metal credit cards are also heavier and have a distinct feel than plastic credit cards. A plastic credit card, for example, weighs around 1 ounce, whereas the American Express Platinum Card weighs seven times that. 

The weight of other metal cards varies depending on whether or not they contain plastic. Above all, the cards have a certain gravitas. Everyone desires to be treated as a unique individual. 

People don’t care how the card looks, but there is a valid reason why individuals apply for these cards: they want to keep it in their wallet, present it to the server or waiter, or show it to their friends. It has a positive impact on people.

Destroying a credit card

Credit card issuers are always devising new tactics to attract new cardholders and keep existing cardholders happy. 

One of the most recent developments in this area has nothing to do with increased benefits or the elimination of an annual charge. Instead, it’s all about the credit card’s weight.

Metal credit cards are becoming increasingly popular among customers. A hefty, metal card provides the cardholder a sense of significance and heaviness that a flimsy, plastic card does not.

American Express, Barclays, and Chase are among the firms that have brought the new opulent feel of metal credit cards to the public. 

These issuers will save the new material option for premium card choices like American Express’ Platinum Card, Barclays’ Luxury Black Card, and so on.

While possessing a weighty metal credit card is a prestige symbol, it also has one important disadvantage over its plastic counterparts: it can be difficult to destroy.

Expiration dates may be seen on all credit cards. Within a few months following that date, the credit card issuer often sends a new replacement card. 

With plastic credit cards, the old card may be ripped up and discarded. After it comes to metal cards, though, it’s not as simple to just chop them up when they expire.

Users of credit cards may also choose to destroy a metal card if the account has been compromised, if they no longer want quick access to the card in order to cut down on spending, or if they are no longer using the account at all. 

In each of these scenarios, destroying a metal credit card takes a bit of ingenuity.

How to safely dispose of a credit card

Once the credit card has reached its expiration date, it is of no use for the user. Therefore, the only option left to do is to dispose of it.

The following ways can be used by a person who wishes to dispose of their metal credit cards in a safe manner:

  • Mail it to your issuer
  • Return it to a bank branch
  • Stow it away
  • Destroy it yourself
  • Don’t trust a third-party service

We shall discuss these methods in more detail below.

Mail it to your issuer

Returning an expired or otherwise compromised metal credit card to your issuer is frequently the most effective approach to ensure that the card is properly destroyed.

If you get a new card, your issuer may include an envelope with pre-paid postage in which you may return your old one for recycling or disposal.

Chase cardmembers also receive a prepaid envelope upon account opening to mail cards back for appropriate disposal in the future, according to a Chase spokeswoman. 

Chase provides both the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card in metal form. 

If you don’t receive a prepaid envelope with your newly issued card or misplace the one that came with your old card, please call the phone number on the back of your card to obtain one or for further information on how to properly dispose of your card.

Return it to a bank branch

You may also stroll into one of your issuing bank’s brick-and-mortar branches to return a metal card if you want to deal with the hand-off in person. 

While each issuer’s policy may differ, visiting with a person at your bank’s physical location can assist you in determining the appropriate course of action.

Stow it away

If you only want to get rid of your card to avoid taking on a larger debt, you could be better off simply placing it in a drawer or putting it in your safe.

If you do decide to retain your old card at home, make sure it is kept in a secure, relatively inaccessible location where the security of your information will not be jeopardised.

If you don’t want to risk (temporarily) harming your credit score by cancelling the account, keeping your card safely out of sight might be an excellent way to prevent temptation. It also allows you to have your card accessible in case of an emergency.

Destroy it yourself

You can even dispose of the card yourself if you know you won’t need it again.

While normal kitchen scissors are unlikely to cause much harm to a metal credit card, tin snips should readily cut it into pieces. 

Tin snips are shears that are commonly used to cut sheet metal and other difficult materials, and they should work with any metal card you have on hand. This is a simple DIY disposal approach if you need a quick answer and have things on hand.

If you don’t have tin snips on hand, there are lots of stories on the internet of people using blowtorches, fire pits, and pliers to destroy their metal credit cards.

Most of these methods aren’t the most practical ways to destroy your card, but they may be a fascinating experiment if you keep the metal away from the microwave and your home shredder. 

All of Chase’s metal cards, according to the company, include a message on the reverse stating that they should not be shredded.

Don’t trust a third-party service

It’s most certainly a fraud if you come across a third-party firm claiming to destroy your metal credit card for you. You should not give your metal credit card to anybody other than a bank employee to avoid your credit card information falling into the wrong hands.

Even if your credit card has expired or been cancelled, you should never give out your credit card number to anybody, especially in unsolicited email messages or while entering it on an unknown website.

Any documents including your credit card information, such as cancelled checks or bank statements, should be carefully filed or shredded, and the number should be absolutely unidentifiable.


Metal credit cards are a little more difficult to damage than plastic credit cards, but it’s not impossible. 

In most circumstances, contacting your credit card provider and asking for their advice on how to properly dispose of your metal credit card is the safest and most convenient option. 

To get a prepaid envelope for return and disposal, call the phone number on the back of your card, or inquire about your issuer’s recommended method.

Also, even if you get rid of the card, don’t toss away your points or cash back gains. Check your accounts to see if you have any unused awards that need to be utilised before they expire or are lost when your account is closed.


What are the different ways of destroying a metal credit card?

To destroy the various components of a metal credit card, you can use the following methods:

  • Most current credit and debit cards have an EMV chip that carries the majority of the information. Disposal will be taken care of by destroying that.

    To shatter the chip, you should use shears, scissors, or even drills. If the chip is very tough, a pair of pliers or metal shears can be used to destroy it.

You can even try to dislodge the chip from the card’s body using your thumb. Check to see if the card is constructed of a thin metal coating before proceeding. If you have a shredder, use that instead of a knife.

Otherwise, you should chop the chip apart with scissors once it has been removed. Everything should be taken care of now.

  • With a lighter, you can get rid of the name and number. Even on a metallic card, a name and number are usually embossed on a plastic layer.

    You may either burn off the names and numbers or simply heat them and peel the coating away.

    After heating, take off the layer using a metallic item such as scissors or kitchen knives. You won’t be burned if you don’t use your hands.
  • If the metal has any engravings on it, you should remove them entirely. You may cut them out with knives or scissors, or you can file them down with sandpaper.

    You may even utilise a file to reduce things to their most basic form. You’ll be able to get rid of some of the card’s unique identifiers this way.
  • Although the magnetic strip is no longer in use, it is still seen on certain credit cards today. It contains all of the data that the ATM or card reader needs. As a result, destroying the strip will suffice to dispose of the metal card.
  • Simply place a refrigerator magnet on top of the strip and let it alone. After an hour, come back to see what’s new. Then swipe the magnet many times across the strip. Now is the time to try it out at an ATM or with a card reader. It isn’t going to run.
  • To block out the signature, simply use a permanent marker. The card’s single most unique identification will be removed in this manner.

    After then, the card will no longer be accepted as identification. Metal credit cards might be difficult to dispose of, but there are several practical methods.

    However, as previously said, you must first ensure that you are able to send the card to your firm.


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