Discover Card Help Center
Freeze AccountFreeze Your Account
- When should I freeze my account?
- What happens when I freeze my account?
- If I find my card, can I unfreeze my account?
- Is the Freeze It feature free?
- Who is eligible to freeze?
- What do I do if I can't seem to find my card?
- How often can I freeze my account?
- Where can I freeze my account?
- What is the difference between freezing an account and temporarily deactivating a card?
When should I freeze my account?
What happens when I freeze my account?
Freezing your account tells Discover that you don’t want us to authorize new purchases, cash advances or balance transfers until you unfreeze. Your account number will not change when you freeze your account.
The following transactions WILL NOT continue to occur when you freeze your account:
- New purchases
- Cash advances
- Balance transfers
The following transactions WILL continue to occur when you freeze your account:
- Merchant indicated recurring bills
- Dispute adjustments
- Discover protection product fees
- Other account fees
- Rewards redemptions
- Exempted transactions
Please note that your account number will not change. You should continue to pay your bill and manage your account online or by the mobile app. Simply unfreeze your account to turn everything back on.
If I find my card, can I unfreeze my account?
Is the Freeze It feature free?
Who is eligible to freeze?
For consumer accounts, Primary and Secondary card members may place a freeze and unfreeze on an account. Authorized users and third parties are not eligible to initiate a freeze or unfreeze.
For business cards, the Primary card member may place a freeze and unfreeze on an account while authorized employees and third parties may not. In addition, if the primary card member initiates a freeze all cards will be frozen on the account including the authorized employee cards.
Corporate cards are not eligible.
What do I do if I can't seem to find my card?
How often can I freeze my account?
Where can I freeze my account?
What is the difference between freezing an account and temporarily deactivating a card?
Freezing an account offers broader protection than temporarily deactivating a card.
When you temporarily deactivate a card:
- You prevent in-store purchases at point-of-sale terminals
- Only the card you choose is temporarily deactivated. Your account number can still be used for online and phone purchases.
When you freeze an account:
- Your account cannot be used to make new purchases in-store, online and by phone
- Your account cannot be used for cash advances
- Your account cannot be used for balance transfers
- All cards on your Discover account will be frozen
Whether freezing your account or deactivating a card, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.