Just pull it up with a resistor, say 100k. Measure leakage current. Consider this a destructive test; if leakage increases suddenly and massively, throw it away.

Bigger priority: measure capacitance under bias. Connect two in series, and bias the "center tap" with a large value resistor. Measure capacitance of the series pair. The point where C drops by, say, 30%, is a practical cutoff point for use.
This tests saturation voltage. Capacitors are never rated in this way, despite it being fundamental to operation; you have to dig through the datasheet or mfg website to find this data, if they have it at all. Or buy some and characterize yourself.
FYI, very large ceramics (over 1210 / 3225 size) are discouraged for reliability reasons: more likelihood of cracking under thermal and flex stress. (If you aren't doing anything horrendously expensive, or freakishly important, don't worry about it.

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Tim