Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Identity Theft Protection perks across top credit cards, ranked by estimated value.
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | Quicksilver Secured Rewards | CreditWise® | $25/yr | No fee |
| 2 |
| Savor Rewards for Good Credit |
| CreditWise® |
| $25/yr |
| No fee |
| 3 | VentureOne Rewards for Good Credit | CreditWise® | $25/yr | No fee |
| 4 | Discover it Cash Back | Free FICO Credit Score | $25/yr | No fee |
| 5 | NHL® Discover It® | FICO® Credit Score | $25/yr | No fee |
| 6 | Emirates Skywards Premium World Elite Mastercard® | FICO® Credit Score | $25/yr | $499/yr |
| 7 | Emirates Skywards Rewards World Elite Mastercard® | FICO® Credit Score | $25/yr | $99/yr |
| 8 | The AARP® Essential Rewards Mastercard® | Complimentary FICO Credit Score | $5/yr | No fee |
| 9 | Bank of America® Customized Cash Rewards for Students | FICO® Score | Included | No fee |
| 10 | Bank of America® Unlimited Cash Rewards for Students | FICO® Score | Included | No fee |
| 11 | Discover it® Miles | FICO® Credit Score | Included | No fee |
| 12 | ANA CARD U.S.A. Plus | Visa Zero Liability | Included | $85/yr |
| 13 | Gap Good Rewards Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 14 | AllModern Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 15 | The Platinum Card from American Express | Fraud Protection | Included | $895/yr |
| 16 | Amtrak Guest Rewards® Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 17 | Amtrak Guest Rewards® Preferred Mastercard® | HealthLock Medical Monitor | $5/yr | $99/yr |
| 18 | Apple Card | Mastercard Zero Liability Protection | Included | No fee |
| 19 | Athleta Rewards Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 20 | AT&T Points Plus® Card From Citi | Mastercard ID Theft Protection | $5/yr | No fee |
| 21 | AvantCard Credit Card | Mastercard ID Theft Protection | $5/yr | $75/yr |
| 22 | Banana Republic Rewards Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 23 | BankAmericard Credit Card for Students | Mastercard ID Theft Protection | $5/yr | No fee |
| 24 | Barclays View Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 25 | Bass Pro Shops® CLUB Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 26 | Bilt Blue Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 27 | Bilt Obsidian Card | HealthLock Medical Monitor | $5/yr | $95/yr |
| 28 | Bilt Palladium Card | Mastercard ID Theft Protection | $5/yr | $495/yr |
| 29 | The AARP® Travel Rewards Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 30 | Birch Lane Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 31 | BJ's One™ Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 32 | BJ's One+™ Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 33 | BMO Business Platinum Rewards | Mastercard Identity Check™ | $5/yr | No fee |
| 34 | BMO Escape | Mastercard ID Theft Protection | $5/yr | $150/yr |
| 35 | BMO Platinum Rewards Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 36 | BMO Premium Rewards Mastercard® | Mastercard ID Theft Protection | $5/yr | $95/yr |
| 37 | Business Advantage Customized Cash Rewards | Mastercard ID Theft Protection | $5/yr | No fee |
| 38 | Business Advantage Travel Rewards World Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 39 | Cabela's CLUB® Card | HealthLock Medical Monitor | $5/yr | No fee |
| 40 | Quicksilver Rewards for Good Credit | Mastercard ID Theft Protection | $5/yr | No fee |
| 41 | Capital One Quicksilver Cash Rewards Credit Card | HealthLock Medical Monitor | $5/yr | No fee |
| 42 | Capital One Quicksilver Student Cash Rewards Credit Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 43 | Capital One QuicksilverOne Cash Rewards Credit Card | Mastercard ID Theft Protection | $5/yr | $39/yr |
| 44 | Capital One Savor Cash Rewards Credit Card | HealthLock Medical Monitor | $5/yr | No fee |
| 45 | Capital One SavorOne Student Cash Rewards Credit Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 46 | SavorOne Rewards from Capital One | HealthLock Medical Monitor | $5/yr | $39/yr |
| 47 | Capital One Platinum Secured Credit Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 48 | Capital One Spark Cash Select for Business | HealthLock Medical Monitor | $5/yr | $95/yr |
| 49 | Navyist Rewards Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 50 | Capital One Venture Rewards Credit Card | HealthLock Medical Monitor | $5/yr | $95/yr |
| 51 | Capital One VentureOne Rewards Credit Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 52 | Capital Vacations® World Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 53 | Carnival® World Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 54 | Cathay World Elite Mastercard® | HealthLock Medical Monitor | $5/yr | $99/yr |
| 55 | Aeroplan® Card | HealthLock Medical Monitor | $5/yr | $195/yr |
| 56 | Chase Freedom Flex | HealthLock Medical Monitor | $5/yr | No fee |
| 57 | Instacart Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 58 | Choice Privileges Mastercard | HealthLock Medical Monitor | Included | No fee |
| 59 | Choice Privileges Select Mastercard | Mastercard ID Theft Protection | $5/yr | $95/yr |
| 60 | Citi / AAdvantage Business World Elite Mastercard | Mastercard ID Theft Protection | $5/yr | $99/yr |
| 61 | Citi / AAdvantage Executive World Elite Mastercard | Mastercard ID Theft Protection | $5/yr | $695/yr |
| 62 | Citi / AAdvantage Globe Mastercard | Mastercard ID Theft Protection | $5/yr | $350/yr |
| 63 | American Airlines AAdvantage MileUp | HELP KEEP YOUR IDENTITY SAFE | $5/yr | No fee |
| 64 | Citi / AAdvantage Platinum Select World Elite Mastercard | Mastercard ID Theft Protection | $5/yr | $99/yr |
| 65 | Citi Double Cash Card | Citi Identity Theft Solutions | $5/yr | No fee |
| 66 | Citi® Diamond Preferred® Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 67 | Citi Strata Elite℠ Card | HealthLock Medical Monitor | $5/yr | $595/yr |
| 68 | Citi Strata Credit Card | Mastercard® ID Theft Protection | $5/yr | No fee |
| 69 | Citi Strata Premier Card | HealthLock Medical Monitor | $5/yr | $95/yr |
| 70 | Destiny Mastercard | Mastercard ID Theft Protection | $5/yr | $59/yr |
| 71 | Dillard’s Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 72 | eBay Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 73 | Edward Jones® Everyday Solutions Flex Balance Mastercard® | Mastercard ID Theft Protection™ | $5/yr | No fee |
| 74 | Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® | Mastercard ID Theft Protection™ | $5/yr | No fee |
| 75 | Getaway by FNBO℠ | Mastercard ID Theft Protection | $5/yr | No fee |
| 76 | FRONTIER Airlines World Mastercard | Mastercard ID Theft Protection | $5/yr | $99/yr |
| 77 | Gap Encore Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 78 | GM Business™ Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 79 | GM Rewards™ Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 80 | Hawaiian Airlines® World Elite Business Mastercard® | HealthLock Medical Monitor | $5/yr | $99/yr |
| 81 | Icelandair Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 82 | Icelandair Premium Mastercard® | HealthLock Medical Monitor | $5/yr | $39/yr |
| 83 | IHG One Rewards Premier Business Credit Card | HealthLock Medical Monitor | $5/yr | $99/yr |
| 84 | IHG One Rewards Premier Credit Card | HealthLock Medical Monitor | $5/yr | $99/yr |
| 85 | IHG One Rewards Traveler Credit Card | HealthLock Medical Monitor | $5/yr | No fee |
| 86 | JetBlue Business Card | HealthLock Medical Monitor | $5/yr | $99/yr |
| 87 | JetBlue Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 88 | JetBlue Plus Card | Mastercard ID Theft Protection | $5/yr | $99/yr |
| 89 | JetBlue Premier Card | Mastercard ID Theft Protection | $5/yr | $499/yr |
| 90 | Joss & Main Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 91 | L.L.Bean Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 92 | MGM Rewards Iconic World Elite Mastercard® | HealthLock Medical Monitor | $5/yr | $249/yr |
| 93 | MGM Rewards World Elite Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 94 | Miles & More® World Elite Mastercard® | HealthLock Medical Monitor | $5/yr | $89/yr |
| 95 | Milestone Mastercard | Mastercard ID Theft Protection | $5/yr | $99/yr |
| 96 | Nibbles Pet Rewards Credit Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 97 | Norwegian Cruise Line® World Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 98 | Old Navy Encore Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 99 | One Key+ Card | HealthLock Medical Monitor | $5/yr | $99/yr |
| 100 | PayPal Cashback Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 101 | RCI® Elite Rewards® Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 102 | Reflex Mastercard | Mastercard ID Theft Protection | $5/yr | $99/yr |
| 103 | REI Co-op® Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 104 | SaksFirst World Elite Mastercard® | HealthLock Medical Monitor | $5/yr | No fee |
| 105 | Sam's Club Business Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 106 | Sam's Club Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 107 | Sam’s Club World Elite Mastercard® (Club members) | HealthLock Medical Monitor | $5/yr | No fee |
| 108 | Sam’s Club World Elite Mastercard® (Plus members) | HealthLock Medical Monitor | $5/yr | No fee |
| 109 | Sam’s Club World Mastercard® | Mastercard ID Theft Protection | $5/yr | No fee |
| 110 | SoFi Credit Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 111 | Surge Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 112 | Synchrony Premier Mastercard | ID Theft Protection | Included | No fee |
| 113 | Target Circle Card | Mastercard ID Theft Protection | $5/yr | No fee |
| 114 | TD Cash Credit Card | Your partner against identity theft | Included | No fee |
| 115 | TD First Class℠ Visa Signature® | Your partner against identity theft | Included | $89/yr |
| 116 | Edward Jones® Everyday Solutions Business World Elite Mastercard® | Mastercard ID Theft Protection™ | $5/yr | No fee |
| 117 | Virgin Red Rewards Mastercard® | HealthLock Medical Monitor | $5/yr | $99/yr |
| 118 | Walmart OnePay CashRewards | Mastercard ID Theft Protection | $5/yr | No fee |
| 119 | Wawa® | Mastercard ID Theft Protection | $5/yr | No fee |
| 120 | Xbox Mastercard | Mastercard ID Theft Protection | $5/yr | No fee |
| 121 | U.S. Bank Shield Visa Card | Free Credit Score Access | $5/yr | No fee |
| 122 | Discover it® Secured Credit Card | Free FICO Credit Score | $15/yr | No fee |
| 123 | Wells Fargo Autograph Visa Credit Card | Credit Close-Up FICO Score Monitoring | $15/yr | No fee |
| 124 | Wells Fargo Active Cash Card | Credit Close-Up (Free FICO Score) | $5/yr | No fee |
| 125 | Bank of America® Premium Rewards® Elite | FICO® Score | Included | $550/yr |
| 126 | Bank of America Premium Rewards Credit Card | FICO® Score | Included | $95/yr |
| 127 | Bank of America® Travel Rewards | FICO® Score | Included | No fee |
| 128 | Bank of America Travel Rewards Credit Card for Students | FICO® Score | Included | No fee |
| 129 | Costco Anywhere Visa Card by Citi | Free FICO® Score Access | Included | No fee |
| 130 | Discover it Balance Transfer | Free FICO Credit Score | Included | No fee |
| 131 | Discover it Student Cash Back | Free FICO Credit Score | Included | No fee |
| 132 | Discover it® Student Chrome | Free FICO Credit Score | Included | No fee |
| 133 | Discover it® Chrome | Free FICO Score Monitoring | $25/yr | No fee |
| 134 | Self Visa Credit Card | Free Credit Score Monitoring | Included | $25/yr |
