Guides
Credit card inactivity guides
What major issuers say about unused cards, whether they warn you first, and a practical schedule for creating posted activity.
Reviewing several unused cards? Start with the unused credit card checklist to compare fees, benefits, purchase activity, and next steps before choosing an issuer guide.
Citi
Citi's educational guidance says an unused card can lose available credit or close. It gives no universal inactivity deadline; your account terms and notices are the place to check what applies to you.
No published deadline
Bank of America
Bank of America can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
Chase
Chase can close an unused credit card. Its educational guidance recommends using a card at least once a quarter, but that advice is not a guaranteed closure deadline or a promise to keep an account open.
No published deadline
American Express
American Express's U.S. Help Center says it may close a long-unused card and will warn you first. Its FAQ gives no fixed month count; follow the notice for your account and check any rewards implications.
No published deadline
Discover
Discover warns that an unused credit card can close for inactivity. Its published 18-month Cashback Bonus rule describes a rewards payout, not a promise to keep the credit account open for 18 months.
No published deadline
Capital One
Capital One says an issuer may lower a card's limit or close the account after a period without use. It does not publish a fixed inactivity deadline.
No published deadline
Barclays
Barclays can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
U.S. Bank
U.S. Bank card agreements list inactivity as a reason the bank may restrict or close an account, but the bank does not publish a fixed closure deadline.
No published deadline
Store cards and other issuers
Read the rules for your card program, including where you can use it and how rewards inactivity differs from account closure. These guides do not establish whether a card can fund a KeepCardAlive charge.
Does Wells Fargo close credit cards for inactivity?
Wells Fargo can close unused cards. Compare its retail-card guidance with the Active Cash agreement, check a warning, and ask about a closed account.
Macy's credit card closed for inactivity: what to check
Confirm a Macy's card closure, contact Credit Customer Care, and distinguish the Star Rewards 12-month rule from an account-closure deadline.
For eligible cards, schedule activity with KeepCardAlive: Get started with KeepCardAlive · Read articles