Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Credit card alerts that’ll make your life easier

Stay on top of your credit card activity with phone notifications.

Updated

Fact checked

Staying on top of your credit card activity is so important, but it can be difficult to remember to check accounts all the time. That’s why credit card alerts can be a useful tool for keeping you constantly informed when changes to your credit card account happen.

For example, you can activate fraud alerts to know if someone’s been using your card without your consent. You can also set up an alert to be notified every time you’re getting close to reaching your credit limit.

Note that the range of credit card alerts you can get often depends on your card issuer.

Common credit card alerts

Not all credit card issuers provide all types of credit card alerts, but these are the most common:

AlertWho it’s best for
Payment due or overdue reminderThose who often forget to pay the balance on time or don’t use the autopay option
Approaching credit limitThose who spend a lot and without tracking their purchases
Purchases over a certain amountThose who tend to buy expensive items
Fraud alerts, including ATM withdrawals, foreign transactions and purchases without the card presentEveryone
Declined transactionsEveryone

Bank of America alerts

Here are a few of the alerts you can expect from Bank of America:

  • Your available balance
  • Security concerns
  • Deal expiration dates
  • When new BankAmeriDeals are available

Chase text alerts

Here are a few alerts offered by Chase:

  • Low balance warnings
  • Large transaction alerts
  • Unusual account activity
  • Cleared payments

Amex alerts

Here are a few alert options you can sign up for with American Express:

  • Spending alerts
  • Account status
  • Spend tracking
  • Near limit alerts

Capital One alerts

Capital One purchase notifications are one of several types of card alerts you can receive with this provider. You may also receive alerts for:

  • Security and fraud warnings
  • Balance statements

Citi alerts

Citi offers a variety of alert options, including:

  • Statement availability
  • Payment reminders
  • Overlimit spending

Discover alerts

Here are a few of the email and text alerts you may receive from Discover:

  • Purchases made outside of the US
  • Purchases made by phone, online or mail
  • Spend tracking

USAA alerts

USAA seems to primarily offer alerts for security and fraud monitoring. There isn’t an option at this time to customize your alerts for spending or similar events.

Compare top credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
This popular travel card's signup bonus is worth up to $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
loading

Compare up to 4 providers

Setting alerts

Setting up credit card alerts is as simple as checking your credit card account online. Here’s how to do it:

  1. Sign in to your online banking account or download your bank’s mobile app.
  2. Depending on the card issuer, you should choose Customer service, Card alerts or Profile & settings.
  3. Select the alerts you wish to receive.

Bottom line

Setting up credit card alerts is a useful way of staying on top of your credit card activity. You can choose to receive notifications on possible fraudulent activity or to be informed whenever you’re reaching your credit limit or spending more than you want to.

Most cards offer this perk, so be sure to compare credit cards so you can choose the one that best fits your financial needs.

Frequently asked questions

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site