What to Know About Credit Card Expiration Dates

The expiration date on a credit card indicates when a card will no longer be valid. It does not, however, mean your account is closed. Rather, it’s just the “shelf life” of that particular piece of plastic or metal, used to determine when the card issuer should mail you a replacement card.

Credit cards usually expire anywhere from three to five years after being issued, depending on the card issuer. The expiration date will appear on your credit card in month/year format. For example, a credit card expiring in July 2025 would show “07/25.” The card remains active until the last day of the month listed. So, in this case, the card would be active through July 31, 2025.¹

Credit card companies use expiration dates for several purposes, from fraud protection to technology updates. Here are typical reasons for expiration dates:

• Fraud protection: Having an expiration date on a credit card helps provide one more layer of protection against fraudulent charges, whether you’re using it in person, online, or over the phone. How? The expiration date is an extra data point — along with the credit card number, card member name, and card verification value (CVV) — used to confirm the validity of the transaction and that you are the rightful user.¹
• Normal wear and tear: Think about how many times you take your credit card out of your wallet and then slide it back in, rubbing it against other cards and wallet items. Plastic breaks. Chips wear out. Numbers fade away. An expiration date helps address normal wear and tear, as credit card companies maintain a vested interest in keeping your credit cards in good shape and functioning properly.
• Technology updates: Three years in calendar terms isn’t all that much. Three years of technological advancements could feel like three lifetimes. Expiration dates allow credit card companies to roll out technological improvements on a fairly steady basis to help ensure cards meet updated security standards. Recent tech upgrades for credit cards include the EMV or “chip” technology that allows you to insert your card into a chip reader rather than swiping it,² and tap-to-pay, which enables you to simply tap your card against the card reader’s screen.³
• New designs: When cards expire, they obviously need to be replaced. These replacements can help card issuers push out new card designs, which may include any rebranding of logos or name changes, color scheme changes, or simply a refreshed look.
• A chance to engage with the cardholder: When an expiration date approaches, the credit card company gets your attention again. For example, let’s say you paid off the balance of the card 18 months ago and never canceled it because you didn’t want to hurt your credit score. Getting a new card in the mail because the existing one is about to expire can serve as a reminder to decide whether the unused card is worth keeping. It can also act as inspiration to start using the card again.

Card expiration dates most frequently appear on the front of the card, but some credit card issuers will put the expiration date on the back of the card, depending on the design. Generally, the expiration date will be located on the same side as the credit card number. Card expiration dates appear in a two-number format representing the month and year of expiration.¹

You typically won’t find the expiration date on your monthly statements or online account. If you come across ways to check your credit card expiration date online, be careful. Even if these credit card validation tools claim to be secure, it’s generally not a wise move to share information with an anonymous online server. Instead, take the safe route and contact your credit card issuer. They can help you identify your card’s expiration date and provide any other relevant information.

When a credit card passes its expiration date, the card itself is no longer active and is therefore invalid. Your credit card account, however, remains open.¹

If you try to use an expired card, the transaction will likely be declined because all the data points don’t match up properly. Your name and card number may still be accurate, for example, but the expiration date isn’t.

Again, you can’t use an expired credit card. But the good news is cards expire at the end of the expiration month, not the beginning.¹ So if you go to your credit card and realize it expires this month, don’t panic. As long as it’s before the last day of the month, you shouldn’t have to worry about your card getting declined.

In the weeks leading up to the expiration date, your credit card issuer should send you a new card in the mail. This new card will have the same account number, of course, but it will have an updated expiration date and CVV. When you get your new card, you’ll want to:

• Activate it: The credit card company should provide instructions on how to activate your new card. That information is usually printed in a letter or on a peelable sticker affixed to the card.
• Update recurring payments: The new expiration date and CVV will be different from those on your old card, so it’s a good idea to update any automated payments charged to the account, such as phone bills, streaming subscriptions, or gym memberships. Updating payment information can help you avoid discrepancies that could lead to declined payments and potential late fees. Missed payments might also cause you to lose any promotional benefits based on autopay. For example, some cell phone and cable/internet providers offer small discounts on monthly bills if you set up autopay.⁴ If that automatic payment doesn't go through, you risk losing that discount.
• Cut up the old card and throw it away: Once you’ve updated all your recurring payments, you’ll want to ensure you dispose of your old card correctly. Break out the scissors and cut plastic cards into several pieces or run them through a shredder. For extra security measures, discard the pieces into a few different garbage cans. Depending on what your card is made of, your card issuer may offer you a return or recycling option. For example, your issuer might send you a prepaid envelope to securely mail metal cards back. Or if they have a brick-and-mortar branch nearby, they may be able to securely take it off your hands. Otherwise, tin snips can be an effective way to destroy old metal cards for security purposes.⁵