The most secure credit cards worth having

Choosing a credit card isn’t just about earning points or perks. True value also comes from knowing your money and identity are safe every time you swipe or tap. With the right card, you can quickly spot suspicious activity, instantly lock your account, and easily resolve issues before they spiral. In today’s world of constant digital threats, those built-in protections are just as important as rewards. Moreover, security gives you confidence to spend online and travel without fear of fraud.

How these cards were chosen

CyberGuy reviewed and compared today’s leading cards to find the ones that prioritize safety without sacrificing convenience. As a result, these top 2025 picks stand out for their strong fraud protection, smart app controls, and fast customer support, all designed to keep your finances secure and stress-free.

American Express Platinum Card®

Premium protection for frequent travelers

The Amex Platinum Card’s security is among the strongest in the industry. Every transaction is backed by Amex’s advanced fraud monitoring, which can detect and stop suspicious activity in real time. You can instantly freeze or unfreeze your card from the Amex app, and their zero-liability policy ensures you’re never responsible for unauthorized charges. The card also includes robust purchase protection, return protection, and extended warranty coverage*, giving you peace of mind whether you’re booking a flight or buying new tech.

More perks:

• You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.
• See rates and fees.

View details here

Capital One Venture Rewards Credit Card

Simple, secure travel

The Capital One Venture Rewards credit card combines strong travel perks with advanced protection. You can instantly lock your card from the app if it’s misplaced, and receive real-time transaction alerts. Its built-in virtual card numbers add an extra layer of safety for online bookings and purchases. Plus, no foreign transaction fees make it a secure choice for travelers abroad.

Plus, if you love to travel, whether for work or leisure, the Capital One Venture Rewards card makes it easy to earn miles on every purchase. This card offers 2x miles on all purchases and the ability to transfer miles to hotel and airline partners or redeem them for travel purchases. It’s ideal for those who travel frequently. The annual fee is $95.

More perks:

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

View details here

Capital One Savor Cash Rewards Credit Card

Safe dining and entertainment

The Capital One Savor card’s strong security features make it a safe option for dining and entertainment purchases. You’ll get instant alerts for every transaction, zero liability for unauthorized charges, and easy card-freezing through the app. Paired with virtual card numbers for online orders, Savor helps you enjoy your nights out and subscriptions without worrying about fraud. This card makes it easy to indulge in my favorite activities while earning great rewards, making it a top choice for the socially active.

More perks:

• LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
• $0 annual fee and no foreign transaction fees
• Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 12 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies
• Balance Transfer Fee: 3% for the first 12 months; 4% at a promotional APR that Capital One may offer you at any other time

View details here

Capital One Venture X Rewards Credit Card

Premium rewards and protection

The Capital One Venture X Rewards Card offers premium rewards along with Capital One’s most advanced fraud protection. Cardholders can generate virtual numbers for each purchase, track activity through real-time notifications, and freeze their card in seconds. Travel protections include trip cancellation coverage, purchase security, and lost luggage reimbursement, all backed by Capital One’s 24/7 fraud-monitoring system.

More perks:

The Capital One Venture X Rewards Card also offers premium travel perks at exceptional value.

• LIMITED-TIME OFFER: Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening – equal to $1,000 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass  lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck®

View details here

Blue Cash Preferred® Card from American Express

Everyday security for families

If you want a single card that balances great cash-back value with solid protections, the Blue Cash Preferred card from American Express stands out. CyberGuy specifically calls it out for everyday spending categories while maintaining the same high-level protections you get from the Platinum card. That means strong dispute resolution, near-zero liability for fraud, and the ability to monitor and control your card right from the Amex app. It’s an excellent fit for households that value simplicity and security in one place.

More perks:

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74% – 28.74%.
• Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.comcheckout.
• Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.
• See Rates & Fees

View details here

Capital One Quicksilver 

Streamlined safety with no annual fee

The Capital One Quicksilver card is ideal for those who want simple, strong protection with no annual fee. For anyone who prefers a no-fuss approach, CyberGuy spotlights the Capital One Quicksilver card as a secure, easy-to-manage option. It offers flat-rate cash back and the same real-time alerts, virtual card numbers, and lock/unlock features found across Capital One’s lineup. Simplicity is an underrated security feature, fewer moving parts mean fewer chances for mistakes or overlooked charges. Plus, the $200 bonus for spending $500 early on was a great way to kick things off.

More perks:

• LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase, every day
• $0 annual fee and no foreign transaction fees
• Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies

View details here

Steps to stay safe with any card

Staying safe with your credit card takes more than picking the right one. These simple steps can help you protect your money and personal information every day.

1) Add an extra layer of safety with your mobile wallet

Linking your secure credit card to Apple Pay or Google Pay adds tokenized protection on top of your card’s own fraud monitoring system. It keeps your real card number hidden during each transaction.

2) Turn on instant alerts

Enable notifications so you see every transaction as it happens. If something doesn’t look right, you can act immediately before damage spreads.

3) Lock and unlock your card from your phone

Most major issuers now offer one-tap card freezing. Use it anytime you misplace your wallet or suspect fraud.

4) Shop online with virtual card numbers

Many apps let you generate unique digital card numbers for each purchase. This keeps your real card details private and secure.

5) Review your statements every week

A quick weekly scan helps catch unauthorized charges early and makes disputes easier to win.

6) Use strong antivirus software for device security

Install a strong antivirus software program like TotalAV to block malicious websites, stop hidden malware, and prevent phishing attempts that target your financial information.

7) Protect your privacy with a VPN

Use a reliable VPN to encrypt your online activity and keep hackers from spying on your data when you shop or bank online. A reliable VPN is essential for protecting your online privacy and ensuring a secure, high-speed connection.

8) Remove your personal data with a data removal service

A data removal tool like Incogni helps erase your private details from data broker sites, reducing your risk of identity theft and unwanted exposure. By limiting the information available, you also reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Is your personal information exposed online?

Run a free scan to see if your personal info is compromised. Results arrive by email in about an hour.

9) Monitor your identity with an identity theft service

Identity theft companies can continuously monitor personal information such as your Social Security Number (SSN), phone number, and email address. In addition, they alert you right away if your data appears on the dark web or is used to open a new account. Moreover, these services can assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals. As a result, you gain peace of mind knowing your identity is actively protected.

Related Links: 

• Best Credit Cards for Seniors and Retirees 2025
• Hotel Credit Card hack: How to get free stays with rewards
• Best Credit Card for Airport Lounge Access 2025

Kurt’s key takeaways

Today’s credit cards offer more than cash back. They also give you stronger control over your security. In addition, features like instant alerts, mobile locks, and virtual card numbers help stop fraud before it starts. Furthermore, these tools work together to spot suspicious activity and protect your information in real time. Moreover, when you pair them with trusted digital protection services, your security grows even stronger. As a result, you stay one step ahead of scammers. Therefore, you can shop, travel, and pay with greater confidence.

What new protections would you like to see credit card companies add? Let us know in the comments below.

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*Required Disclaimer: “Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.”

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