Posted by Chuck on August 7, 2018
Credit Cards

Published on August 7th, 2018 | by Chuck

19

American Express Adds a ‘Card Freeze’ Option

American Express now the option to freeze your credit card for added piece of mind. It’s useful in case you misplace the card and don’t want to completely cancel it and then find it the next minute. With the freeze feature, you can instantly freeze or unfreeze the card.

Direct Link to American Express card freeze

Amex has always had such kinds of controls on business cards, and now you can freeze personal cards too with this new rollout.

Discover famously rolled out card freeze back in 2015. Citi also offers a QuickLock feature, as does Bank of America (only on debit cards) and Capital One. Nothing yet from Chase.



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Thom
Thom

Capital One lets you freeze cards too. They call it locking.

Max
Max

Bank of America also lets you freeze your card, as does Citi. In fact, I believe Chase is the only major bank that does not offer this feature at this point.

Lisa
Lisa

Bank of America only let you lock debit cards. That’s what my account allows anyway.

boomX
boomX

That is correct. No option to lock/freeze BofA credit cards.

boomX
boomX

William Charles With latest update of the Android app, Chase now allows Lock/Unlock of credit cards.

Kudos to Discover for starting the feature.

Atul
Atul

Discover too allows you to freeze unfreeze.

jed
jed

You can also freeze Navy Federal Credit Union(NFCU) credit cards online.

gary
gary

I saw the email from amex officially announcing it but I had already used the feature on my personal hilton card a couple of months ago

Elias
Elias

This is not new. If you cycle your credit limit and check your spending power many times, amex will freeze all your cards for free 🙂

William Charles

lol

Joe C.
Joe C.

Great for accounts you want to leave open for longer account age and for the credit line (FICO score) but aren’t using them.

BigSexy
BigSexy

“Your Card will be unfrozen automatically 7 days after you first freeze your Card.”

boomX
boomX

Yes, this Amex Freeze feature is not same as Citi or Capital One, where the lock can be placed for as long as you need.

Amex will unfreeze after 7 days.
“Freezing your Card prevents it from being used for new purchases. However, recurring bills, such as subscriptions or monthly bills will post to your account as usual. Also, your Card can still be used for digital wallet transactions and some online purchases at merchants where your Card is on file. Your Card will be unfrozen automatically 7 days after you first freeze your Card.”

GAM
GAM

I’m not sure if that then means that subsequent freezes will last indefinitely? Looking at the “after you *first* freeze your Card” part.

Rob
Rob

This is a very useful feature. I’m pleased that Amex finally enables it for more cards. My old Citi card used to subject to fraud use every few years. Since I started using Citi Lock card feature proactively, there has been no incidence of fraudulent uses. Now let’s hope Chase catches on.

Harry
Harry

I don’t seem to see the option in the app..

Alben
Alben

When I saw Discover advertising this a few years ago I though “What a useful feature!” Glad to see that all the other banks are stepping up to the plate and also adding this feature.

david190810
david190810

Discover allows you to freeze your account. But when you unfreeze it, you have to remember to reactivate your card for in store purchase.

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