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Steps to take when your travel card is lost, damaged or stolen

Here’s what to do if your travel money card is lost, damaged or stolen.

Leah Fallon

Updated Dec 3, 2020

Fact checked

Maybe you’ve misplaced the card or forgotten your PIN — or maybe it was stolen from right under your nose. Don’t panic. Unlike cash, the beauty of losing a travel money card is that it can be replaced.

What do I do if my card is lost, damaged or stolen?

The first thing you should do when you realize your card is missing is call your card provider. Reporting the theft or loss immediately will help protect the funds on your card. Most of the card companies provide 24/7 customer service emergency numbers. Some even accept reverse charges, so it can be as simple as dialing an operator to connect your collect call. If you dial the number directly, you may be charged for the call.

What else should you consider?

Additional card. If your travel card comes with a complimentary card, make sure to keep them in separate places so they are not lost or stolen together.

Have more than one travel money option. In the same vein, it may be wiser to keep your options open when it comes to travel money. What works for you may be a combination of debit, credit and travel money cards.

Having your travel money card lost, stolen or damaged is stressful enough without having to scramble to find your bank’s emergency contact details. Before you travel, enter the relevant contact details in your phone and familiarize yourself with the report process.

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{"niche":"USCCF"}

Name	Foreign transaction fee	Welcome offer	Rewards
Chase Sapphire Preferred® Card	None	60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card	None	60,000 points after spending $4,000 in the first 3 months	3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)	Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Petal® 2 "Cash Back, No Fees" Visa® Credit Card	None	N/A	1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants	Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.	Apply now View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi	None	N/A	4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®	None	50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.	Apply now View details	Compare	loading Fetching your data...
Citi Premier® Card	None	60,000 points after spending $4,000 in the first 3 months	3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else	Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Titanium Card™	None	N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back	Enjoy unique excursions, privileged access to exclusive events and insider opportunities.	Apply now View details	Compare	loading Fetching your data...
The World of Hyatt Credit Card	None	25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months	4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases	Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card	None	50,000 points after spending $2,000 in the first 3 months, plus 30,000 after spending $10,000 in the first 9 months	5x points on Southwest between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month, then 2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	Earn 50,000 points after you spend $2,000 in the first 3 months of account opening, plus 30,000 after spending $10,000 in the first 9 months.	See offer View details	Compare	loading Fetching your data...
IHG® Rewards Club Premier Credit Card	None	140,000 points after spending $3,000 in the first 3 months	25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases	140,000 points after spending $3,000 in the first 3 months.	See offer View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Black Card™	None	N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back	Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.	Apply now View details	Compare	loading Fetching your data...
British Airways Visa Signature® Card	None	50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	3x Avios on British Airways and partner airlines, 2x on hotels and 1x on all other purchases	50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Credit Card	None	50,000 points after spending $2,000 in the first 3 months, plus 30,000 after spending $10,000 in the first 9 months	5x points on Southwest between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month, then 2x points on Southwest Airlines and 1x points on all other purchases	Earn 50,000 bonus points after you spend $2,000 on purchases in the first 3 months, plus 30,000 after spending $10,000 in the first 9 months.	See offer View details	Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card	None	35,000 miles after spending $1,000 in the first 3 months	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases	With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees	Apply now View details	Compare	loading Fetching your data...
The Platinum Card® from American Express	None	75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe	10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).	One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Card	None	80,000 points after spending $1,000 in the first 3 months	7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card	None	130,000 points after spending $2,000 in the first 3 months	12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Platinum American Express Card	None	40,000 miles and 5,000 MQMs after spending $2,000 in the first 3 months, plus $100 after making a Delta purchase in the same timeframe	3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases	This card boasts a welcome offer worth up to $720, an annual companion certificate and valuable Delta perks. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Reserve American Express Card	None	40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months	3x miles on direct Delta purchases and 1x miles on all other purchases	Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Marriott Bonvoy Brilliant™ American Express® Card	None	75,000 points after spending $3,000 in the first 3 months	6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases	Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Rates & fees	Apply now View details	Compare	loading Fetching your data...

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Leah Fallon

Leah Fallon is an editor for Finder. With 10 years of teaching English under her belt, it was a natural progression to move into editorial. She's written feature pieces for regional print and digital media and today helps fix annoying apostrophes, elusive infinitives and the muddled em and en dash. When she's not helping people with their finances, you can find her exploring the trails of Loudoun County, Virginia and wrangling her two sprightly girls.

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Travel Money Type

Compare

Locations

Compare More Cards

Steps to take when your travel card is lost, damaged or stolen

Here’s what to do if your travel money card is lost, damaged or stolen.

What do I do if my card is lost, damaged or stolen?

What else should you consider?

Compare travel cards

Compare up to 4 providers

Leah Fallon

More guides on Finder

Ask an Expert

Travel Money Type

Compare

Locations

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Steps to take when your travel card is lost, damaged or stolen

Here’s what to do if your travel money card is lost, damaged or stolen.

What do I do if my card is lost, damaged or stolen?

What else should you consider?

Compare travel cards

Compare up to 4 providers

Leah Fallon

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