Credit Scores and Reports

American Express adds a ‘freeze your card’ feature for most cardholders


Most AmEx cardholders in the U.S. now have access to a tool that allows them to freeze their card accounts if they misplace their cards

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

American Express adds 'freeze your card' tool for most U.S. cardholders

American Express has added a “freeze your card” feature to its account management tools.

With the new “freeze your card” functionality, most AmEx cardholders in the U.S. can place a temporary freeze on account activity if they misplace their cards and lift the freeze immediately after the card has been found. The tool allows you to lock your accounts if a card has been misplaced without having to contact the company, cancel the card and order a replacement.

This is similar to a tool that Bank of America, Capital One, Citi and Discover already offer their cardholders.

Freezing your card prevents it from being used for new purchases, AmEx explains on its website.

However, recurring bills, such as subscriptions or monthly payments, still will go through as usual. Also, your card still can be used for digital wallet transactions, as well as for some online purchases through merchants that already have your card information on file.

If you take no action, your AmEx account will automatically be unfrozen seven days after you’ve first frozen it.

See related: Cardholders desire security features from their mobile wallets

Of course, if your card has gone missing for good, you still can order a new card.

American Express spokeswoman Ashley Tufts says consumer and business cards in the U.S. are eligible for the new freezing option, but corporate and prepaid cards are not.

The “freeze your card” capability is among several digital tools that AmEx has rolled out to “empower” cardholders and make it easier to manage their accounts, Tufts says. Other new features are:

  • A global expansion of real-time alerts via the AmEx mobile app, including notifications about payment due dates, purchases and potential fraud.
  • An upgrade of online statements, enabling cardholders to dig into more account details so that it’s simpler to spot unusual activity.
  • A beefed-up help center, with better access to common questions and requests, such as how to make a payment, dispute a charge or replace a lost card.

What’s up next?

In Credit Scores and Reports

Signatures still required on payment slips? It depends

Though the card networks announced no more signatures by the end of April 2018, many retailers still accept them as verification. Do you still need to sign your payment slip? That depends.

Published: August 6, 2018

See more stories
Credit Card Rate Report Updated: July 10th, 2019
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.