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How to cancel a Chase Credit Card without calling

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A step-by-step guide in 6 screenshots.

Looking to cancel a Chase credit card? If you’ve brought your balance to $0 and you no longer need your card, it should be easy. Most credit card companies however, Chase included, prefer you call the number on the back of your card and let a representative talk you out of your decision.

Fortunately you can cancel your card online through Chase’s Secure Message Center. This guide will walk you through those steps. (Make sure to review our guide to cancelling your credit card before making the plunge.)

Note

The steps below were done for the Chase Freedom credit card, an unused card I’ve had since college. The same steps should apply when canceling any Chase credit card.

1. Log in to your account and from your account dashboard, select the “hamburger” menu icon in the top left. Select “Secure Messages.”

Cancel chase credit card without calling - Secure Messages Dropdown 4

2. You’ll see a rather outdated window appear.

Cancel-chase-credit-card-without-calling-5---Secure-Message-Window

3. At the time of this writing Chase has not updated their Secure Message Center to match the user dashboard. They plan to update it soon, as noted by a message at the top of the window:

Cancel chase card without calling - design notice

4. Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message.

5. Select “Compose Message.” Then under the “Credit Card” section of “My Personal Account,” select “Other/Not Listed” from the dropdown menu.

Cancel-chase-credit-card-without-calling-7---Secure-Message-Dropdown

6. Select the card you’d like to cancel from the Account Number dropdown menu.

Cancel-chase-credit-card-without-calling-8---Secure-Message-Credit-Card-Select-

7. Write a brief message about why you’d like to cancel your card. Saying you no longer have use for it should be enough and explain that it has a $0 balance.

Cancel-chase-credit-card-without-calling-9---Send-Message

8. Click “Send” and you’re off to the races!

Canceling Your Chase Credit Card with Secure Message Center without screenshots:

  1. Login to your online account so that you are on your Chase dashboard.
  2. Avoid the “Things you can do” dropdown.
  3. Select the hamburger menu icon in the top left and click “Secure Messages.”
  4. An outdated window will appear.
  5. Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message
  6. Select “Compose Message.” Then under the “Credit Card” section of “My Personal Account,” select “Other/Not Listed” from the dropdown menu.
  7. Select the card you’d like to cancel from the Account Number dropdown menu.
  8. Write a brief message about why you’d like to cancel your card. Saying you no longer have use for it should be enough and explain that it has a $0 balance.
  9. Click “Send”!

What happens next?

I received a message in the Secure Message Center window within 15 minutes or so noting:

  • My message was received.
  • They’ll respond to my message within 24 hours.
  • They’ll send me an email letting me know the message is available on the Secure Message Center, where I’ll need to log in again to read it.

The next morning (within 11 hours, to be exact) I received another message from Chase. I logged into the Secure Message Center and it read: “I’m sorry to learn that you have chosen to close your account. I’ve closed your account ending in xxxx as you requested.” That’s it!

As of now this is the easiest way to cancel your Chase credit card online without calling a representative. Chase claims they’ll respond to your inquiry in one business day. For me it was even quicker than expected. All things considered, a business day isn’t so bad when the alternative is being a prisoner of elevator music, stuck on hold forever, or being strong-armed by a rep into keeping your card.

Looking for a new card?

You might be canceling your Chase credit card because you’re looking for a card with more rewards or no annual fee. If you want a card that better meets your needs, the chart below can help you compare the most popular cards on the market. Try clicking the Compare buttons, as it allows you to see a more in-depth comparison of up to four cards.

Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
$0.00
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
12.74%, 16.74% or 20.74% variable
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
$0.00
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$495.00
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$195.00
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$995.00
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
24.49% variable
$39.00
Designed to help build credit history with no deposit required and access to benefits.
23.90% variable
$75.00 annual fee for the first year ($99.00 thereafter)
With this card you get a 23.90% Variable APR.
29.99% variable
$75.00 annual fee for the first year ($48.00 thereafter)
Access credit even if you have poor or limited credit history.
17.49% to 25.49% variable
Up to $75.00 annual fee for the first year (up to $99.00 thereafter)
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0.00
Earn 15,000.00 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.74% to 24.74% variable
0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
$0.00
Earn more cash back for the things you buy most.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0.00
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
17.74% to 24.74% variable
$0.00 annual fee for the first year ($95.00 thereafter)
Earn 50,000.00 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450.00
Earn 50,000.00 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95.00
Earn 15,000.00 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0.00
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
17.49% to 24.49% variable
$95.00
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
14.49%, 20.49% or 24.49% variable
0% for the first 15 months (then 14.49% to 24.49% variable)
$0.00
Earn unlimited 1.5% cash back on every purchase, every day
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0.00
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
16.49% to 24.49% variable
$0.00
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0.00
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
14.49%, 20.49% or 24.49% variable
$0.00 annual fee for the first year ($95.00 thereafter)
Earn 50,000.00 bonus miles once after spending $3,000 on purchases within the first 3 months from account opening.

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