We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

How do I Find my Credit Card CVV Number?

By Bethany Keene
Updated May 16, 2024
Our promise to you
SmartCapitalMind is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At SmartCapitalMind, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject-matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

The credit card CVV number is located in a slightly different place depending on the specific credit card company. For Visa®, Discover®, and MasterCard® cards, the credit card CVV number is located on the back of the card, but with American Express® cards, the number is located on the front of the card. In addition, each credit card company refers to the number by a slightly different term: Visa® calls it the CVV2 — Card Verification Value 2, MasterCard® uses the term CVC2 — Card Verification Code 2, and American Express® and Discover® both refer to it as the CID, which stands for Card Identification Digits.

Visa®, Discover®, and MasterCard®

To locate the number on a Visa®, Discover®, or MasterCard®, simply flip the card over and look at the signature strip. You will see a four digit number followed by a three digit number; the four digit number is the same as the last four digits of your credit card number, and the three digit number is the credit card CVV number. You will need to provide those three digits to place online orders.

American Express® and Other Credit Cards

On an American Express® card, the CVV number is found on the front of the card, slightly above and to the right or left of the credit card number. It is a four digit number. For any other credit cards, such as bank issued credit cards, you may need to call the bank and ask where the credit card CVV number is located if you cannot find it on your own; usually it will just be the one number on the card that does not seem to correspond to anything else.

Purpose of the CVV

Card Verification Value (CVV) was added to credit cards when online shopping became more common, because it is intended to verify that the person typing in the credit card number is physically holding the card. The number is virtually never required for in-person transactions at stores. Most websites now require the credit card number, expiration date, and CVV number for all transactions. It is a form of protection for online shoppers to prevent unauthorized transactions if someone manages to steal one's credit card number.

Prevent Credit Card Fraud

It is important to be very protective of all your credit card numbers, but particularly the CVV number. In addition to safe-guarding credit card information, there are many other ways to help prevent credit card fraud:

  • only shop online at trusted and secure sites
  • save receipts to compare with billing statements
  • carefully check over credit card statements each month for unauthorized charges
  • do not give out your credit card information over the phone, unless the company is absolutely reputable
  • never let anyone borrow your credit card
SmartCapitalMind is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.
Discussion Comments
By strawCake — On Dec 02, 2012
@Pharaoh - Actually I think the system is pretty good for protecting people from credit card fraud. If someone physically steals your credit card, you'll probably find out about it quickly. But if someone obtains your credit card number and you still have the card, it could be awhile before you realize your information has been stolen.
By Pharoah — On Dec 01, 2012

I always find it kind of annoying when I have to enter a credit card number as well as my CVV number when I'm shopping online. It seems like it takes so long to make a purchase when you have to put all that information in.

However, I guess I should be happy since places require the CVV number to protect customers. That way people can't make a purchase if all they have is the credit card number. Although I guess this wouldn't help if someone physically stole the credit card.

By LoriCharlie — On Nov 30, 2012

@betterment - It is true that most website do put a little explanation about what is a CVV number on a credit card and how to find it. However, I know a few people that are so technologically impaired they have trouble with it every time they shop online. So those little explanations don't work for everyone.

By betterment — On Nov 29, 2012
@Glasshouse - Good luck with your customer service call. I was surprised to read in your other comment that they charge you for a replacement credit card. Maybe you could just say you lost it and they would replace it with a new credit card that has the credit card number with CVV visible? It might be worth a try.

I shop online all the time, so I'm pretty good at finding the CVV number on my cards. I remember the first time I had to put it in on an online checkout form I felt a little confused. Luckily, most website have a little explanation about where to find your CVV number.

By Glasshouse — On Feb 15, 2011

@ Cougars- You know what...that is a great idea. I get so caught up with the convenience of the web that I forget there is such a thing as customer service. I will call Chase and see...although I dread the long hold times, multiple call transfers, and the automation that comes with a Chase call.

By cougars — On Feb 13, 2011

@ GlassHouse- Have you tried to call the company to retrieve the CVV number on your credit card? This is probably your best bet.

By Glasshouse — On Feb 12, 2011

Is there any way to retrieve a cvv code from a credit card? A couple of my credit and debit cards are so worn that the code is completely scratched off the back. One card I remember the code, but the other one I have no clue. This prevents me from using the card for online transactions, resulting in a loss of points for my miles certificates. I would like to retrieve the code without buying a replacement card (call me cheap).

SmartCapitalMind, in your inbox

Our latest articles, guides, and more, delivered daily.

SmartCapitalMind, in your inbox

Our latest articles, guides, and more, delivered daily.