Can You Shred Metal Credit Cards? Here’s What to Do

Metal credit cards offer a sense of prestige and durability that plastic cards lack. Their robust construction introduces unique disposal challenges. Unlike plastic cards, which can be cut with scissors or run through a standard shredder, metal cards require a different approach to securely destroy personal financial information.

Challenges of Shredding Metal Cards

Attempting to shred a metal credit card with a typical home or office shredder is not recommended. Standard shredders are designed for paper and plastic, not the rigidity of metal. Forcing a metal card through such a machine will likely damage the shredder’s blades and motor. Some metal cards even warn against shredding due to these risks.

Improper shredding of a metal card poses security and safety hazards. The hardened material can cause pieces to fly off, creating a risk of injury. If the card is only partially destroyed, sensitive information like account numbers, the EMV chip, or the magnetic stripe might remain intact. This leaves personal data vulnerable to identity theft or unauthorized access.

Secure Disposal Alternatives

Safely disposing of a metal credit card involves methods beyond typical home or office settings. The most secure approach is to return the card to the issuing bank. Many financial institutions provide pre-paid, pre-addressed envelopes for this purpose with replacement cards or upon request. This ensures the card is destroyed through their secure, industrial-grade processes.

Some banks allow cardholders to drop off metal cards at a physical branch for secure disposal. For those preferring a do-it-yourself method, heavy-duty tin snips or metal shears can cut through the card. When cutting, sever the magnetic stripe and the EMV chip, as these components contain data. Dispersing the pieces into different trash receptacles can add an extra layer of security.

Some credit card issuers also participate in specialized recycling programs for their metal cards. Companies like American Express, Chase, Citibank, Capital One, and Wells Fargo have established take-back programs. These programs facilitate environmentally responsible disposal and recycling of valuable materials. They typically involve mailing the card back to the issuer, who then handles the specialized recycling process. Do not rely on unsolicited third-party services for disposal, as these may pose security risks.

Important Steps Before Disposal

Before physically disposing of a metal credit card, take several administrative and security steps. First, contact the card issuer to deactivate the card, especially if it is being replaced due to compromise or account closure. This action officially renders the card unusable and prevents further transactions.

Update any recurring payments or subscriptions linked to the card. Many services, from streaming platforms to utility bills, automatically charge a saved card number. Updating this information with a new card or alternative payment method ensures uninterrupted service and avoids late payment fees. This step is important regardless of whether the card is expired, compromised, or simply being replaced.

Finally, confirm that any necessary account numbers or information from the old card are noted elsewhere if needed for records or for setting up new payment details. Verify that the new card, if applicable, has been activated and is fully functional before discarding the old one. This proactive approach helps maintain financial security and simplifies the transition to a new card or account status.