Are Credit Cards Waterproof and What to Do If Yours Gets Wet

Credit cards are not entirely waterproof, but they are designed with a degree of water resistance. Understanding their physical makeup and how water interacts with their components clarifies their durability.

Credit Card Construction and Water Resistance

Standard credit cards are primarily constructed from polyvinyl chloride (PVC) or polyethylene terephthalate glycol (PETG), layered to create a durable, flexible body. This plastic core is then coated, often with an epoxy resin, to enhance its resilience against everyday wear and tear. Embedded within these layers are various functional components, including the magnetic stripe, the EMV chip, and sometimes a contactless antenna for tap-to-pay functionality.

The magnetic stripe, made of plastic film and magnetized particles, is water-resistant. The EMV chip is encased in plastic and epoxy resin, shielding electronic components from moisture. Contactless antennas are similarly protected. These features make cards highly water-resistant, able to withstand brief submersion or splashes. However, prolonged exposure, especially to hot water or harsh chemicals, can compromise their integrity.

Understanding Water Damage and Its Effects

Despite their water-resistant design, credit cards can experience damage from water exposure, particularly if conditions are not ideal. Prolonged submersion or exposure to liquids containing impurities like salt water, detergents, or other chemicals can be problematic. Water can potentially seep into the card’s layers, leading to delamination, where the plastic layers begin to separate. This physical degradation can affect the card’s structural integrity and its ability to function correctly.

The EMV chip’s metallic contacts, though protected, can corrode over time if exposed to water, especially if the water contains salts or other corrosive agents. A corroded chip might fail to make proper contact with point-of-sale (POS) terminals, leading to transaction declines. Similarly, while magnetic stripes are water-resistant, prolonged exposure to water combined with physical abrasion or the presence of residues can degrade their readability. A card showing signs of water damage might consistently fail to read at terminals or ATMs, or its contactless payment function may cease to work.

What to Do If Your Card Gets Wet

If your credit card gets wet, immediate action can often prevent lasting damage. First, remove the card from the liquid as quickly as possible. Gently pat the card dry with a soft, absorbent material like a paper towel or a lint-free cloth to remove excess moisture. It is important to avoid rubbing or scrubbing, especially over the EMV chip or magnetic stripe, as this could cause physical damage.

Allow the card to air dry completely at room temperature. Avoid using heat sources such as hair dryers, ovens, or direct sunlight, as high temperatures can warp the card’s plastic or damage its internal components. If the card was exposed to dirty or chemical-laden water, gently wipe it with a damp cloth using a small amount of mild soap, then rinse with clean water and air dry.

Once the card is thoroughly dry, you can attempt to use it at an ATM or a point-of-sale terminal. If the card consistently fails to work, or if you observe visible damage like peeling layers or corroded contacts, it is advisable to contact your bank or card issuer for a replacement. Replacement cards typically arrive within three to seven business days.