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Credit cards expire at the end of the month written on the card. For example, a credit card’s expiration date may read as 11/26, which means the card is active through the last day of November 2026.

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When Do Credit Cards Expire? Depending on the issuer, credit cards usually expire within three to five years. It is normally reflected on the front of the card in a MM/YY format.

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When your card expires, you are typically sent a new credit or debit card in the mail. This new card will have a new expiration date that will likely extend a few more years.

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So, when your credit or debit card is set to expire, this doesn’t mean your account is coming to an end. If you currently carry a balance on a credit card, your credit card debt isn’t going away.