I have a separate debit card with its own separate bank account for online purchases. I never keep more than 200-300 bucks in it at any given time, which pretty much limits the damage from it getting compromised. Admittedly I still use a debit card (entirely separate account) for real world brick and mortar purchases, but I really don't feel like I am taking much of a chance. Shit happens, sure. Which is why I have a money market account I can write checks with in the event of a crisis.
I like the credit card idea but I got into a whole lot of trouble with credit cards back in my youth and it took me 15 years to bail myself out of it, so I am forever wary of using one. I own one but I only ever use it once a year to go on our annual road trip up north.
“The greatness of a nation and its moral progress can be judged by the way its animals are treated.” - Mahatma Gandhi