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

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

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.

Travelex Money Cardtravelex cash passport
Call the Card Services team immediately to cancel the missing card and use your backup card to access your funds. If both cards are lost or stolen, they can arrange emergency cash replacement via Western Union or Moneygram (subject to availability in your location). Call +1 (877) 414-6359

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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.

Compare Travel Cards here

Updated December 17th, 2018
Name Product Currency Conversion Fee Annual Fee APR (Annual Percentage Rate) for Purchases
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
None
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Apply nowView details
Chase Sapphire Reserve®
Chase Sapphire Reserve®
None
$450
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Apply nowView details
Gold Delta SkyMiles® Credit Card from American Express
Gold Delta SkyMiles® Credit Card from American Express
None
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
Apply nowView details
American Express® Gold Card
American Express® Gold Card
None
$250
See Rates & Fees
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Apply nowView details
Hilton Honors American Express Card
Hilton Honors American Express Card
None
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
Apply nowView details
The Platinum Card® from American Express
The Platinum Card® from American Express
None
$550
None (Charge Card)
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
Apply nowView details
Barclaycard Arrival® Plus World Elite Mastercard®
Barclaycard Arrival® Plus World Elite Mastercard®
None
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
Apply nowView details
Hilton Honors American Express Ascend Card
Hilton Honors American Express Ascend Card
None
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
Apply nowView details
Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Credit Card from American Express
None
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
Apply nowView details
Luxury Card Mastercard® Titanium Card™
Luxury Card Mastercard® Titanium Card™
None
$195
16.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Apply nowView details
HSBC Cash Rewards Mastercard® credit card
HSBC Cash Rewards Mastercard® credit card
None
$0
14.99%, 18.99% or 24.99% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
Apply nowView details
Luxury Card Mastercard® Black Card™
Luxury Card Mastercard® Black Card™
None
$495
16.99% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Apply nowView details
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™
None
$995
16.99% variable
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Apply nowView details
Barclaycard Ring® Mastercard®
Barclaycard Ring® Mastercard®
None
$0
13.99% variable
A low, variable APR on purchases, balance transfers and cash advances.
Apply nowView details
Bank of America® Travel Rewards credit card
Bank of America® Travel Rewards credit card
None
$0
16.99% to 24.99% variable
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
View details

Compare up to 4 providers

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    Leah Fallon

    Leah Fallon is a writer and editor for finder.com. She's here to 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 wrangling her two sprightly girls in Leesburg, Virginia.

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