I will say, it seems better than it used to be in the pre-chip days, but I've had to replace my primary CC once already this year due to an obviously fraudulent charge. To the credit of my bank, it was virtually painless - I had a new card in under 24 hours, and I didn't have to think about the $2000+ charge at all until they confirmed (two months later!) that it was in fact fraud.

Agreed. Using flat 1.5% cashback cards with autopay + setting the cashback balance to auto apply to each statement is the convenience compromise I have found