If you rush to a busy terminal, juggling bag or boarding pass, credit cards may be at risk not only from pickpockets, but also from digital thieves using high-tech tools such as RFID (radio frequency identification) skimmers.
While today’s chip-enabled cards are safer than old magnetic stripes, it’s still wise to take extra precautions, especially in busy areas like airports.
Here’s how to protect your card while traveling:
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How credit card theft occurs while traveling
Before diving into ways to protect yourself, it will help you understand the most common ways your credit card can compromise on while traveling.
RFID Skimming: Some credit and debit cards are equipped with RFID chips that allow contactless payments. A thief carrying a handheld RFID reader can capture card data simply by being close to you. There is no need for physical contact and you don’t even notice that it is happening. Card Skimming at ATMS and Terminals: In some areas, criminals install fake card readers at legal machines at airports, gas stations, or retail stores. These skimmers copy card information when you insert it. Often, there are hidden cameras nearby, recording pins when inputting. Pickpocketing and Physical Theft: The airport is full of distractions, and burglars depend on. A moment of carelessness at the security line quick bump or check-in counter is everything someone needs to remove their wallet from their bag or pocket. Public Wi-Fi Snooping: Unsecured airports or hotel Wi-Fi allows you to publish your private data. Hackers connected to the same network can intercept sensitive information, including credit card numbers and login credentials. Lost or Stolen Cards: It’s not uncommon to miss your card while traveling, especially if you’re buying without protection or accessing the banking app. If someone finds it, or even worse, steal it from a luggage or hotel room – they can make a fraudulent purchase before you realize it is missing.
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How to protect your credit card
The good news is that protecting your credit card while traveling doesn’t have to be complicated and expensive. With some wise habits and the right tools, you can avoid the most common threats and enjoy your trip with more peace of mind. Below is an easy way to keep your cards safe while you’re on the move.
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1. Use RFID blocking gear
Some credit cards include an RFID tip that makes contactless payments easier and more convenient. However, this same feature can be exploited if someone with the right equipment gets close enough to scan the card without your knowledge. Using RFID blocking gears such as wallets, card sleeves and passport holders is a simple and affordable way to prevent this type of theft. These items are widely available and are effective in blocking fraudulent scans.
2. Carry only what you need
Limiting the number of cards you bring reduces the risk of your wallet being lost or stolen. Ideally, take one or two credit cards you plan to use while traveling. Keep your hotel backup cards securely and keep a secure digital record of the card details in your password manager. This is useful if you need to cancel or exchange your card overseas. For more information about my best expert reviewed password managers of 2025, click here.
3. Set up real-time spending alerts
Most credit card companies offer instant notifications through their mobile app. Turn on transaction alerts to notify you the moment your card is used, allowing you to quickly find suspicious activity. If your card issuer offers the ability to lock your card directly from the app, you will also enable that feature, so if something is missing, you can act immediately.
4. Avoid publicly available Wi-Fi for financial transactions
Public Wi-Fi in airports, hotels and cafes is rarely safe. Unless you use a Virtual Private Network (VPN), these networks should avoid credit card information or logging in to your bank’s website. A reliable VPN encrypts internet traffic and protects your data from prying eyes to shared networks. For the best VPN software, check out our expert reviews of the best VPNs for personal browsing the web on Windows, Mac, Android and iOS devices.
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5. Check out Card Skimmers at ATMS and Terminals
Take some time to inspect before using your ATM or card reader. The skimming device may be located above the card slot or keypad. Gently spin the card reader around, look for loose, bulky, or out of place. If possible, use ATMs in banks or in secure buildings instead of self-supporting machines. It’s easier for a thief to target it.
6. Lock the card when not in use
Many credit card apps now allow you to temporarily lock your card with just one tap. If you don’t plan on using your card for a day or two, consider locking it until you’re ready to buy it. This simple habit adds an additional layer of protection. If someone tries to use a card while it is locked, the transaction is rejected.
7. Use mobile or contactless payments
Apple Pay and Google Pay offer an additional level of security by creating unique, one-time usage codes for all transactions. Actual card numbers will not be shared with retailers, reducing the risk of data being stolen. Also, mobile payments are faster, touch-free and not vulnerable to physical theft.
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Bonus tips before you travel
Notify the bank or credit card issuer about the travel date and destination to prevent legitimate purchases from being flagged or denied. It only takes a minute, but it helps you catch scams early before they escalate. Use your credit monitoring service to receive alerts about suspicious activity in your account while you’re away. Check out my tips and best choices on how to protect yourself from identity theft.
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Traveling with a credit card doesn’t have to be stressful. Using a few simple steps, such as carrying only the cards you need, using RFID blocking gear, enabling transaction alerts, and avoiding exposed Wi-Fi without a VPN, you can significantly reduce the risk of theft and fraud. Digital tools such as the card lock app, mobile payments, and identity monitoring services add even more layers of protection. Whether you’re heading for a weekend getaway or international trip, these habits will help you keep your finances safe, so you can focus on enjoying the journey.
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