Exchanging an Apple Card may be necessary for several common reasons, such as physical damage (scratches, bent edges, or chip/magnetic stripe malfunction), accidental loss or theft, or a desire to switch to a new card design. Before initiating the exchange, note that the card is linked to your Apple ID and associated financial account—pending transactions and unpaid balances will still apply to your account even after the replacement.
To start the exchange, use the official app or website linked to the card service. First, verify your identity via personal details, security questions, or two-factor authentication. Once confirmed, select the exchange reason, choose a new design (if available), and confirm your shipping address. You’ll receive updates on the replacement’s status, including tracking info once it ships.
When your new card arrives, activate it using the same app or website—usually by scanning the QR code or entering the card number and CVV. The old card will deactivate automatically (or you may confirm deactivation in the app). Properly dispose of the old card (cut into pieces to destroy the chip/magnetic stripe) to prevent unauthorized use. Check for fees: damage/theft exchanges are often free, while voluntary design changes may incur a small charge per service terms.