As you rush through busy terminals, juggling bags and boarding passes, your credit cards may be at risk, not just from pickpockets, but from digital thieves using high-tech tools like RFID (radio-frequency identification) skimmers.
While today’s chip-enabled cards are more secure than old magnetic stripes, it’s still wise to take extra precautions, especially in crowded places like airports.
Here’s how to keep your cards protected while traveling.
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Before diving into how to protect yourself, it helps to understand the most common ways credit cards are compromised during travel.
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The good news is that protecting your credit cards while traveling doesn’t have to be complicated or expensive. With a few smart habits and the right tools, you can avoid the most common threats and enjoy your trip with more peace of mind. Here are some easy ways to keep your cards safe while you’re on the move.
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Some credit cards include RFID chips that make contactless payments easy and convenient. However, this same feature can be exploited if someone with the right equipment gets close enough to scan your card without your knowledge. Using RFID-blocking gear such as a wallet, card sleeve or passport holder is a simple and affordable way to prevent this type of theft. These items are widely available and effective at blocking unauthorized scans.
Limiting the number of cards you bring reduces the risk of your wallet being lost or stolen. Ideally, take only one or two credit cards that you plan to use during your trip. Keep any backup cards in your hotel safe and store a secure digital record of your card details in a password manager. This can be helpful if you need to cancel or replace a card while you’re abroad. Get more details about my best expert-reviewed password managers of 2025 here.
Most credit card companies offer instant notifications through their mobile apps. Turning on transaction alerts ensures you’ll be notified the moment your card is used, allowing you to spot suspicious activity quickly. If your card issuer offers the ability to lock your card directly from the app, enable that feature as well, so you can act immediately if anything looks off.
Public Wi-Fi at airports, hotels and cafés is rarely secure. Avoid entering credit card information or logging into banking websites while on these networks, unless you’re using a virtual private network (VPN). A reliable VPN encrypts your internet traffic and protects your data from prying eyes on shared networks. For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices.
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Before using an ATM or card reader, take a moment to inspect it. Skimming devices are sometimes placed over the card slot or keypad. Gently wiggle the card reader or look for anything that seems loose, bulky or out of place. When possible, use ATMs inside banks or secure buildings instead of freestanding machines, which are easier for thieves to target.
Many credit card apps now allow you to temporarily lock your card with a single tap. If you’re not planning to use a card for a day or two, consider locking it until you’re ready to make a purchase. This simple habit adds an extra layer of protection. If someone tries to use the card while it’s locked, the transaction will be declined.
Apple Pay and Google Pay provide an additional level of security by creating unique, one-time-use codes for every transaction. Your actual card number is never shared with the retailer, which lowers the risk of your data being stolen. Mobile payments are also faster, touch-free and less vulnerable to physical theft.
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Traveling with credit cards doesn’t have to be stressful. With a few simple steps, like carrying only the cards you need, using RFID-blocking gear, enabling transaction alerts and avoiding public Wi-Fi without a VPN, you can reduce your risk of theft or fraud significantly. Digital tools like card-locking apps, mobile payments and identity monitoring services add even more layers of protection. Whether you’re heading on a weekend getaway or an international trip, these habits can help keep your finances safe so you can focus on enjoying the journey.
Have a tip or tool that worked for you while traveling? Let us know by writing us at Cyberguy.com/Contact.
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