Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
How to change your name on a credit card
The process is easy, but tedious if you have many cards.
Card providers make it easy to change your name on your credit cards. But before you start, you must change all your legal documents first.
Reasons to change your name on your credit card
While there are many reasons one might change a name on a credit card, marriage and divorce are among the most common. If you’re an adult, petition a court to change your name.
How to change your name on a credit card
Changing your name on a credit card slightly varies between providers. But before you start, there are two important steps you must take: change your name with the Social Security Administration and change your name on your government-issued IDs.
Once that’s settled, here’s how to change your name on a credit card:
- Prepare all required legal documents with your new name.
- Write a request signed and dated.
- Send all documents and your written request at the card issuer’s address.
- As an alternative, visit a bank branch with the required documents and fill out a form.
Capital One name change
Capital One cardholders can request a name change as soon as the legal documents are ready. Here’s how:
- Prepare a copy of one legal document with your new name, for example: driver’s license, marriage certificate, divorce certificate, new Social Security card or a court order.
- Write a name change request, sign it and add a date.
- Sign a W-9 form with your new name.
- Mail all required documents at Capital One, P.O. Box 60, St. Cloud, MN 56302.
Note: Only one legal document is enough to prove your name change. If you’re trying to fix a misspelling, you can simply send a W-9 form.
Bank of America name change
Here’s how to change your name with this provider:
- Change your legal documents with the new name.
- Take one of the required documents and visit a Bank of America branch.
- Fill out the form provided by the bank.
- If you don’t live near a bank branch, call customer service at 800-432-1000.
Depending on the reason for your name change, you need to bring a government ID and one of the following:
|Reason for changing your name||Required document|
|Misspelling on your account||Birth certificate|
|Legal court order||Legal court order|
American Express name change
Changing your name with American Express is probably the easiest. Here’s how it works:
- Log in to your online credit card account.
- Click the Edit button next to your name.
- Fill out the Name Change Authorization form.
- Attach a copy of your government-issued ID.
Discover name change
Discover also has a simple name change procedure. Here’s how:
- Call Discover customer service at 801-902-3100.
- If the reason for changing your name is marriage or divorce, you can complete the procedure in real-time by talking to a customer service representative.
- If it is a legal name change, you’ll need to fax, mail or upload the supporting documents.
Once you have updated your name in all your legal documents and with your card providers, reach out to all three major credit bureaus — Experian, Equifax and TransUnion — to make sure they have updated your new name.
Next, you should update your name with all other institutions like banks, insurance companies or other companies you have any relation with.
No matter the reason for your name change, you can easily update your credit cards with your new name. All you have to do is reach out to your bank and send them copies of legal documents that reflect your name change.
Once that’s settled, you can freely apply for a new credit card and your new name will appear on all of them.
Frequently asked questions
More guides on Finder
Investing in your 40s: 8 ways to prepare for retirement
How to invest for retirement: 8 ways to safeguard your portfolio.
The best debit cards for kids for 2021
Support your child’s financial knowledge and teach the important real-life money skills in a safe and controlled way with a kids’ debit card.
9 steps to make the most of your debt relief program
Reduce your debt by around 30% after fees — but only if you can stick with the program. Here’s how.
7 debt relief scams to have on your radar
Don’t be fooled by false promises — here are red flags to watch out for and tips to find a legit company.
How to move with your pets to Australia
Wondering how to move your pets with you to Australia? Read through our guide to bringing your furry friends with you down under.
Help your child learn to spend and save wisely with a virtual, COPPA-compliant debit card.
How can you use your health savings account (HSA) as a retirement investment?
A health savings account (HSA) can help you get prepared for your retirement. Learn more.
Best credit cards for rewards in 2021
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Best balance transfer credit cards of 2021
Here are our top balance transfer picks for 2021.
Best business credit cards for 2021
Here are our top picks for 2021.
Ask an Expert