Are Credit Cards Waterproof? Your Ultimate Guide



Have you ever accidentally dropped your credit card in a puddle of water or even worse, the washing machine? Then you’ve probably asked yourself: “Are credit cards waterproof?” It’s a valid question, and the answer is not as straightforward as you might think.

A Brief Introduction

Credit cards are an integral part of our daily transactions. From buying groceries to purchasing an online course, they make our lives easier. However, like any other object, they can become victims of accidents. Spills, rain, and washing machines can bring your precious plastic into contact with water. This might lead you to wonder, “Are credit cards waterproof?”

Well, credit cards are primarily made of PVC plastic, which makes them water-resistant to some extent. They can survive minor water splashes or a quick, accidental dip. However, they are not entirely waterproof. Prolonged exposure to water can damage your credit card, affecting its functionality. So, it’s crucial to understand the factors that can affect your card’s water resistance.

Factors Affecting the Water Resistance of Credit Cards

There are several factors that can influence how well your credit card can resist water. Here are a few key ones:

  • Material: Most credit cards are made of PVC plastic, which is generally water-resistant. However, some premium cards use metal, which might not fare as well in water.
  • Thickness: Thicker cards tend to be more resistant to water than thinner ones. The additional layers provide added protection against water damage.
  • Chip Presence: EMV chips in credit cards can be particularly sensitive to water. Cards with chips might not withstand water as well as those without chips.
  • Card Condition: The state of your card also plays a role. A brand new card can resist water better than an old, scratched, or damaged one.

Understanding these factors will help you take better care of your credit cards and prevent any unnecessary water damage. Remember, prevention is better than cure, especially when it comes to maintaining the longevity of your credit cards.

What to Do If Your Credit Card Gets Wet

If you’re unfortunate enough to get your credit card wet, don’t panic. Here are the steps you can take to mitigate any potential damage:

  1. Dry the Card Immediately: Use a soft cloth or towel to gently pat your card dry. Do not rub as this can potentially damage the magnetic strip or chip.
  2. Avoid Heat and Sunlight: Do not expose your card to sources of heat or direct sunlight in an attempt to dry it. This can warp the plastic and damage the card’s functionality.
  3. Test the Card: Once the card is dry, test it to ensure it still works. You can do this by making a small purchase or checking your account online.

Frequently Asked Questions (FAQs)

Are credit cards waterproof?
Credit cards are water-resistant, not waterproof. They can handle minor splashes but are susceptible to damage from prolonged water exposure.

What factors affect the water resistance of a credit card?
The material, thickness, presence of EMV chip, and condition of the card can affect its water resistance.

What should I do if my credit card gets wet?
Dry it immediately with a soft cloth, avoid heat and direct sunlight, and test its functionality.

Can I put my credit card in the washing machine or dryer?
No, the heat and tumbling action can damage the card. If your card ends up in the wash, remove it immediately and follow the steps outlined above.

Can I use my credit card in the rain?
Yes, brief exposure to rain should not damage your card. However, avoid leaving your card in a wet pocket or bag for an extended period.

Can I use my credit card in the pool?
No, the chemicals in pool water can damage the card. Always keep your credit card in a dry place.


In essence, credit cards are more water-resistant than waterproof. They can survive brief contact with water, but prolonged exposure can lead to irreversible damage. If your card does get wet, act quickly by drying it gently and testing its functionality. With careful handling, you can ensure the longevity and continued functionality of your credit cards. Remember, a little bit of care goes a long way in maintaining your financial tools.

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