Ready to take control of your American Express card's security right from your phone? Let's walk through the simple steps to lock your card on the Amex app. This feature is incredibly useful if you've misplaced your card, suspect unauthorized activity, or just want an extra layer of protection when you're not using it.
Step 1: Get the American Express App
First things first, you'll need the official American Express® App installed on your smartphone or tablet.
Check if You Have It Already
Look for the Amex logo on your home screen or in your app drawer.
If You Don't Have It
Download it: If you haven't already, head to your device's app store:
For Apple devices: App Store
For Android devices: Google Play Store
Search: Type "American Express" in the search bar.
Install: Once you find the official app (make sure it's from American Express!), tap "Get" or "Install."
Step 2: Log In to Your Account
Once the app is installed, open it up. You'll need to log in to your American Express online account.
Entering Your Credentials
Username and Password: Enter the same username and password you use to log in to the American Express website.
Touch ID/Face ID/Fingerprint (if enabled): If you've set up biometric login on your device and enabled it for the Amex app, you might be able to log in with just a touch or glance. This is a quick and secure way to access your account.
Troubleshooting Login Issues
Forgot Username/Password?: The app typically has links like "Forgot Username" or "Forgot Password" if you need to reset them. Follow the on-screen prompts.
Connectivity: Ensure you have a stable internet connection (Wi-Fi or mobile data).
Step 3: Navigate to Your Card Management Options
Once you're successfully logged in, you'll usually land on a dashboard showing your account summary. Now, let's find the card management section.
Finding the Right Card
Multiple Cards?: If you have multiple American Express cards, select the specific card you wish to lock from your account summary. You might need to swipe or tap to see all your cards.
Locating the Security or Card Controls
Look for "Account" or "Card" Tab: Often, there's a dedicated tab or section at the bottom or top of the screen labeled "Account," "Card," or "More."
Find "Manage Card" or "Card Controls": Within the selected card's details or the "Account" section, look for options like:
"Manage Card"
"Card Controls"
"Security"
"Lock Card"
The exact wording may vary slightly depending on the app version, but it will generally be in a section related to managing your card's features.
Step 4: Lock Your Card
You're almost there! This is the core step to securing your card.
Activating the Lock Feature
Toggle or Button: You'll typically find a toggle switch or a prominent button labeled "Lock Card" or "Freeze Card."
Tap to Lock: Tap on this toggle or button.
Confirmation: The app will likely ask you for confirmation. This is to ensure you intentionally want to lock the card. Confirm your action.
What Happens When You Lock It?
No New Purchases: When your card is locked, most new purchases and cash advances will be declined. This is the primary function of the lock feature.
Recurring Payments: Good news! Pre-authorized payments (like your Netflix subscription, utility bills, or gym membership) will generally continue to go through. This ensures your essential services aren't disrupted.
Refunds and Credits: Any refunds or credits posted to your account will still be processed.
Points Accumulation: Your rewards points will still accumulate from any pre-authorized transactions.
Confirmation Message
Success!: After locking, you should see a confirmation message within the app, indicating your card is now locked. The status of your card will also likely change to "Locked."
Step 5: Unlock Your Card (When Ready)
When you're ready to use your card again, unlocking it is just as simple.
Reversing the Lock
Go Back to Card Controls: Navigate back to the same "Manage Card" or "Card Controls" section where you locked it.
Toggle or Button: You'll see the same toggle switch or button, but this time it will indicate the card is locked.
Tap to Unlock: Simply tap the toggle or button again to unlock your card.
Confirmation: Confirm your action if prompted.
Immediate Effect
Ready to Use: Your card should be immediately ready for use once unlocked. There's no waiting period.
Frequently Asked Questions (FAQs) ❓
How to check if my American Express card is locked?
You can easily check the status by logging into the Amex app and navigating to the specific card's details; it will typically show a "Locked" status or the toggle switch will be in the "On" position for "Lock Card."
How to unlock my American Express card if I lost my phone?
If you lose your phone, you can still unlock your American Express card by logging into your American Express account on a different device (like a computer or another smartphone) via the Amex website or app.
How to know if the lock feature works for all my Amex cards?
The lock feature is typically available for eligible American Express consumer and small business cards. You'll need to check each card individually within the app to see if the lock option is present.
How to lock a specific supplementary card on the American Express app?
If you have supplementary cards, you can usually manage them individually within the main cardholder's account on the app. Navigate to the specific supplementary card details, and the lock option should be available there.
How to deal with recurring payments when my Amex card is locked?
Recurring payments (like subscriptions or utility bills) are generally not affected when your American Express card is locked, ensuring essential services continue without interruption.
How to use my locked American Express card for online purchases?
You cannot use a locked American Express card for new online purchases; the transaction will be declined, similar to in-person purchases. You must unlock the card first.
How to get alerts when my American Express card is locked or unlocked?
The Amex app may offer notification settings where you can opt to receive alerts for card status changes, including when your card is locked or unlocked. Check your app's notification preferences.
How to report fraudulent activity if my American Express card is locked?
Even if your card is locked, you should still immediately report any fraudulent activity by contacting American Express customer service directly through the app or by phone. Locking the card prevents further unauthorized use but doesn't replace reporting fraud.
How to find the card controls option if it's not visible in my Amex app?
Try updating your American Express app to the latest version. If it's still not visible, it's possible your card type isn't eligible, or the feature might be located under a slightly different menu like "Account," "Security," or "More." Contacting Amex customer service can also help.
How to ensure my Amex app is secure to prevent unauthorized card locking/unlocking?
Always use a strong, unique password for your Amex account, enable biometric login (Face ID/Touch ID) if available, and ensure your device is protected with a screen lock. Regularly review your app's security settings.
