Credit cards that offer a pause button -- and when to use it
Editor’s note: This story has been updated with the latest information.
When you've misplaced your favorite credit card, what do you do? Everyone who uses credit cards has likely had this happen at least once. You could retrace your steps with the hope of finding the missing card at the last restaurant you ate at, or perhaps in the pocket of the pants you wore yesterday.
The safe bet, though, is to contact the card issuer and report it missing. However, this will permanently invalidate the lost card, and you'll have to wait until you receive a replacement. This can be troublesome, especially if you have high hopes that the card will turn up in a few days.
Fortunately though, there is a better option. Many major credit card issuers allow you to temporarily disable a particular card, and reactivate it later. As you'll see, it has lots of potential uses, even beyond a misplaced card.
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Major card issuers that offer a pause button
Here's a look at which issuers offer this option.
American Express Freeze Your Card
American Express's Free Your Card option prevents your card from being used for new purchases, but allows payment of recurring bills on the account. You can also continue to use for digital wallet transactions, like Apple Pay or Samsung Pay. However, your card will automatically be unfrozen in seven days. Both primary and authorized card holders can use this feature. Amex also makes it extremely easy to freeze and unfreeze your card right in the Amex app.
Bank of America Lock/Unlock
Although Bank of America makes it incredibly easy to lock and unlock your card, this feature is only available to Bank of America debit card holders.
Barclays SecurHold™
Barclays allows you to instantly lock and unlock your card from its mobile app. And to go one step further, they offer a Control Your Card feature, which allows you to set transaction limits and even block certain purchases for yourself or authorized users. This is a great feature since Barclays is one of the few card issuers that gives authorized users unique card numbers. The Barclays app can also notify you of each transaction in real time, which can be great for monitoring spending and catching fraudulent purchases as soon as they happen.
Capital One Card Lock
Capital One's Card Lock feature allows you to easily lock and unlock your card straight from the mobile app. It blocks all in-store, online, in-app and phone purchases for cards. However, you can continue to return items, make payments and redeem rewards while your card is locked.
Chase Lock and Unlock
This feature allows Chase card holders to lock and unlock their credit card from the Chase Mobile app or on their computer. Locking the card doesn't affect automatic payments, so there are no disruptions to recurring charges. You also can still use your digit wallet to make purchases. However, when you lock your card, it will lock any other cards that share the same account number.
Citi Quick Lock
Citi allows card holders to lock and unlock their credit card online or from its mobile app. Even when your card is locked, recurring transactions will still hit your credit card without any disruption.
Discover Freeze it®
Discover was one of the first card issuers to offer a card freeze feature, which can be activated online or through its mobile app. Even though Discover will not authorize new purchases, cash advances or balance transfers while your account is on hold, recurring payments, returns, dispute adjustments and delayed authorized will still post to your account.
US Bank Lock and Unlock
A relatively new feature to US Bank is that they now offer the capability to lock and unlock your card. The easiest way to do this with US Bank is from their mobile app.
Wells Fargo Control Tower
Wells Fargo Control Tower allows you to turn your cards on and off, as well as restrict international use. It will also allow you to view digital wallets and turn digital card numbers stored in your devices on or off. Recurring payments may still be approved or processed even if you turn your card off.
When to use your credit card's pause button
Aside from misplacing your credit card, there are many other situations where a pause button can come in handy.
To control spending: Credit cards are so convenient to use that some people overspend. By pressing pause on your credit card it could help you control any impulse purchases. This extra step might also make you think twice on whether or not you actually need to make that particular purchase.
Put your cards in safe mode: If you have cards that you don't use often, or you only use for recurring monthly payments, then you might want to pause them to prevent unauthorized use. This is an extra measure of security for those cards, especially if you don't look at these accounts often enough to pick up on fraudulent charges.
Controlling the use of authorized card holders: Pressing pause can be a good way to prevent an authorized card holder from using his or her card. Just keep in mind that not all card issuers will freeze authorized cards holders when you freeze the primary card members' account.
Bottom line
It's great that most major card issuers now offer the option of temporarily pausing your credit card. Best of all, this feature is completely free and typically there is no limit on the number of times you lock or unlock your account.
Of course, if it becomes apparent that your card is never to be found again, you'll want to call the card issuer to let them know. They'll then send you a new card, but unfortunately it will come with a different card number.
Photo by mediaphotos / Getty Images
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.