Guide to Destroying a Metal Credit Card

By Dan Miller · July 25, 2022 · 8 minute read

We’re here to help! First and foremost, SoFi Learn strives to be a beneficial resource to you as you navigate your financial journey. Read more We develop content that covers a variety of financial topics. Sometimes, that content may include information about products, features, or services that SoFi does not provide. We aim to break down complicated concepts, loop you in on the latest trends, and keep you up-to-date on the stuff you can use to help get your money right. Read less

Guide to Destroying a Metal Credit Card

Plastic credit cards are easily destroyed by simply cutting them up with a household pair of scissors. But in recent years, some credit card issuers have started issuing metal credit cards. While these have become somewhat of a status symbol, the problem comes in trying to figure out how to dispose of metal credit cards.

It’s good practice to destroy a metal credit card once you’re done using it so that nobody can access your personal information. However, disposing of a metal credit card is not as easy as using a pair of regular household scissors. Thankfully, there are a few options to consider if you want to know how to destroy a metal credit card.

Why Should You Destroy a Metal Credit Card?

The biggest reason to destroy a metal credit card is to make sure that nobody uses your credit card information.

Even though most credit card companies have a $0 fraud liability policy, you don’t want to deal with the hassle of unauthorized purchases. And even if you’ve canceled your credit card or it’s expired, you’ll still want to destroy it, since it has personal information that might be used in different types of identity theft.

Recommended: Does Applying For a Credit Card Hurt Your Credit Score

Factors to Consider Before Destroying a Credit Card

Before destroying a metal credit card, you’ll want to make sure that it makes sense to cancel your account.

If you’re still using a credit card through automatic payments or recurring purchases, make sure to cancel those or move them to other cards. Once you close your account and dispose of your metal credit card, any such purchases will be declined.

Also take into account any potential impacts on your credit score that closing your account may have. Closing an account could increase your credit utilization ratio since you’ll have less available overall credit, and it could also lower the age of your accounts, depending on how long you’ve had your account. Both factors could lead to a dip in your credit score.

Before moving forward with closing your account, you’ll also want to take a look at your rewards to ensure you wouldn’t lose what you’ve already earned. Also remember that you’ll still need to pay off your card’s balance in full. Keep an eye out for any final payments that might roll in after your account is closed.

Recommended: When Are Credit Card Payments Due

Ways to Get Rid of a Metal Credit Card

If you’re confident you want to move forward, here are some options for how to dispose of a metal credit card.

Sending It Back to Your Credit Card Issuer

One of the best ways to dispose of a metal credit card is to return it directly to your credit card issuer. Most credit card issuers will provide you with a postage-paid envelope to return your metal credit card, if you ask. This can be a great (and relatively secure) way to dispose of your metal credit card.

Returning It to a Physical Bank Branch

Another option for returning your metal credit card to your credit card issuer is by bringing it to a physical bank branch. Of course, this is only a viable option if your issuer has physical branches near you. If your card has reached its credit card expiration date and you want to get rid of it, this can be a reasonable option.

Stowing It Away

Another option for disposing of a metal credit card is to simply stow it away somewhere safe in your house. This could be a filing cabinet, sock drawer, or anywhere else in your home. While this isn’t a great long-term solution, since there is some risk, it may work in the short-term.

Destroying It on Your Own

The final option for disposing of a metal credit card that you’re no longer using is destroying it on your own. After all, this is the preferred solution for most non-metal credit cards. And it is still possible with a metal credit card, though it is a bit trickier, as you’ll see in the next section.

Guide to Disposing a Metal Credit Card on Your Own

For those who want to DIY the destruction of their metal card, here’s how you destroy metal credit cards.

Using Tin Snips

If you have a pair of tin snips, that’s probably the easiest way to destroy a metal credit card on your own. Tin snips should make quick work of most metal credit cards. If you don’t have a pair of tin snips yourself, check with friends and family to see if you can borrow a pair.

Using Heavy-Duty Scissors

While most traditional or kitchen scissors will not do much to a metal credit card, if you have a heavy-duty pair of scissors, you may be in luck. Heavy-duty scissors made of stainless steel or titanium may be able to help you destroy and dispose of a metal credit card.

Mangling It With Pliers

If you don’t have heavy-duty scissors or tin snips, another option is to use a regular pair of pliers. While this may not be the most practical way to dispose of a metal credit card, it could be worth a try.

Drilling Holes Into It

If you have a power drill with metal-cutting bits, you might be able to dispose of your metal credit card by drilling holes into it. You’d just need to drill enough holes in your card to remove any of your personal information as well as the EMV chip. Keep in mind that you’ll need a powerful drill with special bits — it’s unlikely that a regular drill will do the job.

Using a Blow Torch

If you have access to a blow torch, and are knowledgeable enough about it to be able to use it safely, you may have luck using it to destroy your metal credit card. Of course, if you have a big enough shop to have a blow torch, you probably also have a pair of tin snips. That will be much easier, but maybe not as fun!

Throwing It in Your Fire Pit

While you may be able to destroy your metal credit card by simply throwing it in your fire pit, this may not be the most environmentally-conscious way to dispose of your metal credit card. Many metal credit cards have different kinds of metals in them that may not be safe to burn.

Avoid These Methods for Discarding a Metal Credit Card

Out of the many ways you can dispose of your metal credit card, here are the methods to steer clear of.

Giving It to Third-Party Services

One of the top credit card rules is that you should not give your personal information out to anyone. This still holds true, even if your credit card account is closed. Your personal information can still be used for identity theft or other nefarious purposes. Either destroy your metal credit card yourself, or deal directly with your credit card issuer.

Throwing It Away or Recycling It

You’ll also want to avoid simply throwing your metal credit card away or recycling it. You may be trying to take advantage of “security by obscurity,” hoping that nobody will find it. But because of how a credit card works, it’s easy for anybody that has your card to access your account and your personal information. Don’t take that risk — make sure to destroy your card responsibly.

Recommended: Tips for Using a Credit Card Responsibly

Using a Paper Shredder

While most paper shredders do have the capacity to shred a non-metal credit card, it is unlikely that your typical paper shredder can handle a metal credit card. You are more likely to damage your paper shredder and still have an intact metal credit card.

Using Traditional Scissors

Traditional kitchen scissors will not be able to destroy most metal credit cards. While you’re unlikely to damage your scissors, you’re also quite unlikely to make any progress trying to destroy your metal card with a traditional pair of scissors.

Recommended: Can You Buy Crypto With a Credit Card

The Takeaway

While it may be trickier to destroy a metal credit card than it is to get rid of a plastic credit card, it’s still important to do. You don’t want your personal information floating around for anyone to possibly use. Even if your credit card account is closed, you still run the risk of someone using the card to steal your identity. The easiest way to destroy a metal credit card is securely sending it back to your credit card issuer.

The SoFi Credit Card offers unlimited 2% cash back on all eligible purchases. There are no spending categories or reward caps to worry about.1

Take advantage of this offer by applying for a SoFi credit card today.


What is the safest way to destroy a credit card?

The safest way to destroy a metal credit card is to securely send it back to your credit card issuer. Most credit card issuers will send you a postage-paid envelope that will allow you to send the metal card back to them. Alternatively, you can return it directly back to a physical branch location.

How do I get rid of a metal credit card at home?

One of the easiest ways to get rid of a metal credit card at home is using tin snips. If you have a pair of tin snips, they will make quick work of a metal credit card. Just make sure to be careful with the rough metal edges once you cut it up.

Can you burn a metal credit card?

It is possible to burn a metal credit card, though it may not be the most environmentally-conscious thing to do. Burning a metal credit card may release toxic gasses into the air.

Can I destroy my metal credit card with tin snips?

Yes, destroying a metal credit card with tin snips is one of the easiest ways to dispose of a metal credit card. Of all the different options for destroying a metal credit card at home, tin snips are the tool that is most likely to be found in the homes of most credit card consumers.

Photo credit: iStock/Katya_Havok

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

The SoFi Credit Card is issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

1See Rewards Details at

New and existing Checking and Savings members who have not previously enrolled in direct deposit with SoFi are eligible to earn a cash bonus when they set up direct deposits of at least $1,000 over a consecutive 25-day period. Cash bonus will be based on the total amount of direct deposit. The Program will be available through 12/31/23. Full terms at SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

SoFi members with direct deposit can earn up to 4.00% annual percentage yield (APY) interest on Savings account balances (including Vaults) and up to 1.20% APY on Checking account balances. There is no minimum direct deposit amount required to qualify for these rates. Members without direct deposit will earn 1.20% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 3/17/2023. Additional information can be found at

1Members earn 2 rewards points for every dollar spent on purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points into your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, or SoFi Personal, Private Student, or Student Loan Refinance, your rewards points will redeem at a rate of 1 cent per every point. For more details please visit the Rewards page. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.


All your finances.
All in one app.

SoFi QR code, Download now, scan this with your phone’s camera

All your finances.
All in one app.

App Store rating

SoFi iOS App, Download on the App Store
SoFi Android App, Get it on Google Play

TLS 1.2 Encrypted
Equal Housing Lender