What is a Credit Card CCV / CVC Number? | finder.com

What is a Credit Card CVV / CVC Number?

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

What the 3 digits on the back of your card mean and how they’re used to protect your finances.

If you’re using your credit card to make a purchase online or over the phone, you’ll usually be asked to provide the name on your card, the account number, expiration date and something called your CCV or CVC number. These three or four digits are located on the back of your card and are used to help secure your finances when using your card. Use this guide to find out what these numbers mean, what they’re used for and how they help protect your credit card.
Finder Task Work

What is a CVV or CVC number?

Your CVV number (or card verification value) or CVC (card verification code) on your credit card or debit card is a three or four-digit number on your card. If you have a Visa or Mastercard branded credit or debit card, it’ll be a 3 digit number located on the back of your card. If you’re using an American Express issued card, the CVV will be a four-digit number found on the front of your card.

The CVV is an anti-fraud measure used when you’re making a purchase but aren’t required to enter a PIN or sign a receipt. This is why you’re often asked to enter your CVV number if you’re shopping online or making a purchase over the phone. This is so the merchant or payee can verify that you are indeed the cardholder and to avoid people using your card for fraudulent transactions.

As the CVV or CVC number is only printed on your card, it’s important that you keep your card safe and secure. If your card is lost or stolen, anyone could use the card to make online purchases or over the phone transactions without your permission. If this does happen, contact your card issuer immediately to cancel the card and keep an eye on your statement to report any fraudulent transactions. The CVV or CVC number is considered a Secure Socket Layer (SSL), which is commonly used technology which is a digitally provided certification process.

Is a CVV or CVC number called anything else?

The credit card CVC and credit card CCV numbers are sometimes called different things depend on the credit card network or credit card company its issues through. For example, Mastercard calls the code CVC2, American Express refers to it as CID, Discover calls their code CID2, and Visa has dubbed it CVV2. Despite these different names, the codes all serve the same function and are used as a standardized security measure. In the case of ‘contactless’ cards there is generally a chip involved which supplies its own electronically generated series of codes. They are called Dynamic CVV or iCVV.

Are CVV or CVC numbers the same as my PIN?

No, your CVV or CVC number is different to the PIN code you use to make ATM withdrawals of EFTPOS transactions in-store. On the other hand, your CVC or CVV number is used for verifying online or over the phone payments when you can’t use your PIN or signature.

While the CVV or CVC number is in place to protect your credit card from fraudulent transactions or phishing scams when using your card for online or phone transactions, it’s important to know that there are still chances that your credit card could still come victim to a scam. That’s why it’s important to only use your credit card on secure sites and keep track of your credit card statement to spot any suspicious transactions. If you do come across one, make sure to contact your bank immediately to report the issue and protect your finances.

Back to top

Compare credit cards

Rates last updated June 18th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Amex EveryDay® Credit Card
14.74% to 25.74% variable
0% Intro APR for 15 months
$0
Earn 15000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Deserve® Classic Card
24.49% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
Apply now Read review
Bank of America® Cash Rewards Credit Card
14.74% to 24.74% variable
0% Intro APR for 12 statement closing dates (with whichever is greater, $10 or 3% balance transfer fee)
$0
Earn more cash back for the things you buy most.
Blue Cash Everyday® Card from American Express
14.74% to 25.74% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
Luxury Card Mastercard® Black Card™
16.49% variable
0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 3% balance transfer fee)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Apply now Read review
Chase Sapphire Preferred® credit card
17.49% to 24.49% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
Indigo® Platinum Mastercard® Credit Card
23.9% variable
$75 annual fee for the first year ($0 to $99 thereafter)
With this card you get a 23.9% variable APR.
Apply now Read review
The First Access VISA® Credit Card
29.99% variable
$75 annual fee for the first year ($48 thereafter)
Access credit even if you have poor or limited credit history.
Apply now Read review
Luxury Card Mastercard® Gold Card™
16.49% variable
0% Intro APR for 15 billing cycles (with the amount of each transfer, $5 or 3% balance transfer fee)
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Apply now Read review
Chase Sapphire Reserve®
17.49% to 24.49% variable
$450
Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Credit One Bank® Visa® with Free Credit Score Tracking
17.49% to 25.49% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Apply now Read review
Amex EveryDay® Preferred Credit Card
14.74% to 24.74% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Chase Freedom Unlimited® credit card
16.49% to 25.24% variable
$0
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
Bank of America® Premium Rewards® Credit Card
17.49% to 24.49% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
Quicksilver® from Capital One®
14.24%, 19.24% or 24.24% variable
0% Intro APR for 9 months (with 3% balance transfer fee)
$0
Earn unlimited 1.5% cash back on every purchase, every day
Chase Freedom® credit card
16.49% to 25.24% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Bank of America® Travel Rewards Credit Card
16.49% to 24.49% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
Chase Slate® Credit Card
16.49% to 25.24% variable
0% Intro APR for 15 months (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
Venture® from Capital One®
14.24%, 19.24% or 24.24% variable
$$0 intro for the first year, $95 after
Earn 50000 bonus miles once after spending $3,000 on purchases within the first 3 months from account opening.
HSBC Cash Rewards Mastercard® credit card
14.49%, 18.49% or 24.49% variable
0% Intro APR for 15 months (with whichever is greater: $10 or 4% balance transfer fee)
$0
Earn unlimited 1.5% cash rewards on purchases.

Compare up to 4 providers

Back to top

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

8 Responses

  1. Default Gravatar
    MaheshMarch 23, 2018

    Where is the CVV2 number in a card?

    • Staff
      JhezelynMarch 23, 2018Staff

      Hello Mahesh,

      Thank you for your comment.

      A CVV2 code is a security feature of a debit card that is consisting of 3 digits and is located on the back of the card within the signature area. There may be a longer series of numbers but only the last three digits make up the CVV2 code.

      Regards,
      Jhezelyn

  2. Default Gravatar
    NileshMarch 9, 2018

    Display CVV number please.

    • Staff
      JhezelynMarch 10, 2018Staff

      Hi Nilesh,

      Thank you for your comment.

      CVV is an anti-fraud security feature to help verify that you are in possession of your credit card. For Visa/Mastercard, the three-digit CVV number is printed on the signature panel on the back of the card immediately after the card’s account number. For American Express, the four-digit CVV number is printed on the front of the card above the card account number.

      Providing your CVV number to an online merchant proves that you actually have the physical credit or debit card. So, unfortunately, CVV numbers are not to be displayed online.

      Regards,
      Jhezelyn

  3. Default Gravatar
    berylDecember 16, 2017

    I have given all the numbers on the back of my card not just last three is that safe

    • Staff
      ArnoldDecember 21, 2017Staff

      Hi Beryl,

      Thanks for your inquiry

      Please note that these are very sensitive information you’re giving out. You have to make sure you’re transacting with a legitimate business or entity. It is our responsibility to make sure we are dealing with the right people. There are lots of fraudulent activities on the internet nowadays and it would be best that we’re always vigilant.

      Hope this information helps

      Cheers,
      Arnold

  4. Default Gravatar
    DariusOctober 9, 2017

    How do I get my CVV number

    • Staff
      JudithOctober 9, 2017Staff

      Hi Darius,

      Thanks for contacting finder, a comparison website and general information service.

      If you have a Visa or Mastercard branded credit or debit card, it’ll be a 3 digit number located on the back of your card. On the other hand, if you’re using an American Express issued card, the CVV will be a four-digit number found on the front of your card.

      On the page you’re reading, you may also check the where they are located by viewing the sample pictures.

      Best regards,
      Judith

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.49
variable

Annual fee

995 For the first year
More info
The First Access VISA® Credit Card
The First Access VISA® Credit Card

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site