Federal law limits your liability on a cc (not debit card) to $50. Banks routinely don't charge you anything. A couple of thoughts. Capital One cards now give different card numbers (same account) to H and W (or family members). When one card is compromised they only have to shut down and replace the one, so the spouse's still works. Great system. Also, at least if you are big users of the card, banks will agree if asked to overnight the new one to you.
2014 1/2 Thor Challenger 37KT