Credit Cards With EMV Smart Chips

After evaluating 1,399 credit cards with EMV chip technology (also referred to as smart chips), here are the most popular credit cards from our partners. These cards offer an enhanced security against counterfeiting or cloning. "Chip and signature" is becoming the standard authorization process in the US. However, this standard is different than the "Chip and PIN" standard used in much of the rest of the world. Still, many frequent travelers find these cards more easily accepted overseas.

See the most popular credit cards with EMV chip technology from our partners below.

Summary

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at American Express's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% on Balance Transfers for 15 months
Regular APR
14.99% - 25.99% variable

See Rates & Fees , Terms Apply

Show Less

Highlights

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% on Purchases for 15 months
Regular APR
14.99%-25.99% Variable
Intro Balance Transfers APR
0% on Balance Transfers for 15 months

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REDEEM POINTS FOR MILES & FLIGHTS

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

7,800 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Annual Fee
$95, waived first year
Balance Transfer Intro APR
N/A
Regular APR
17.99% - 24.99% variable

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Highlights

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Rates & Fees

Annual Fee
$0 Intro for the First Year, then $95
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

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BankAmericard® credit card

BankAmericard® credit card

13,255 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
14.99% - 24.99% variable

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Highlights

  • New Offer: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 18 billing cycles
Regular APR
14.99% - 24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days

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Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

43,662 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
15.24% - 25.24% variable

Show Less

Highlights

  • No annual fee
  • New Offer: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at American Express's Secure Site

At A Glance

Annual Fee
$95
Balance Transfer Intro APR
0% on balance transfers for 12 months
Regular APR
14.99% - 25.99% variable

See Rates & Fees , Terms Apply

Show Less

Highlights

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee
$95
Intro Purchase APR
0% on purchases for 12 months
Regular APR
14.99%-25.99% Variable
Intro Balance Transfers APR
0% on balance transfers for 12 months

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Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Capital One's Secure Site

At A Glance

Annual Fee
$95, waived first year
Balance Transfer Intro APR
N/A
Regular APR
14.74% - 24.74% variable

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Highlights

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Rates & Fees

Annual Fee
$0 intro for first year; $95 after that
Intro Purchase APR
N/A
Regular APR
14.74% - 24.74% (Variable)
Intro Balance Transfers APR
N/A

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Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

11,756 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
N/A
Regular APR
16.99% - 24.99% variable

Show Less

Highlights

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • New Offer: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
16.99% - 24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A

View All Card Details

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Chase Freedom®

Chase Freedom®

14,854 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.99% - 25.74% variable

Show Less

Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular APR
16.99% - 25.74% Variable
Intro Balance Transfers APR
0% Intro APR on Balance Transfers for 15 months

View All Card Details

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Alaska Airlines Visa Signature® credit card

Alaska Airlines Visa Signature® credit card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Annual Fee
$75
Balance Transfer Intro APR
N/A
Regular APR
16.99% - 24.99% variable

Show Less

Highlights

  • Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • Get 30,000 bonus miles after you make $1,000 or more within the first 90 days of your account opening.
  • Get Alaska's Famous Companion Fare™ every year! Each Year on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
  • New - Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Mileage Plan™ Hotels.
  • Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.

Rates & Fees

Annual Fee
$75
Intro Purchase APR
N/A
Regular APR
16.99%-24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A

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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Comparing EMV Chip Credit Cards

Updated: November 14, 2018

In the last three years, card issuers have been sending out new plastic with a little square on the front that makes all the difference in the world.

Called an EMV chip, this small change has made our cards more secure than the old magnetic stripe technology. In fact, fraud has considerably decreased over the last three years, experts have noticed.

What are EMV chip cards and how do they work?

EMV, which stands for EuroPay, Mastercard, Visa, equips credit and debit cards with computer chips and technology to authenticate chip-card transactions.

EMV cards or chip cards have been used in Europe and throughout the world for decades, and they have been making headway in the U.S. They are touted as more secure than the magnetic stripes that have long been used in the United States until the last couple of years.

While the older magnetic stripes contain unchanging data – which the bad guys can conceivably steal – an EMV card creates a new transaction code for each payment that can't be used again. That doesn't mean breaches aren't possible, but it makes things more complicated and difficult for thieves.

Visa reports a 75% drop in counterfeit fraud dollars between September 2015 and March 2018 among merchants who made the switch and a 46% drop overall. Also Visa reports that 97% of payment volume was on EMV cards in June 2018, and chip transactions grew from $4.8 billion in September 2015 to $76.7 billion in June 2018.

Want to know how EMV chips are made? Check out this video.

How the EMV works

There are several things going on with how a chip card works. Here's Visa's take on this:

  1. Computer microchip. A computer chip securely stores the card data that resides on the magnetic stripe. That makes it nearly impossible to create a fake EMV chip card.
  2. Unique cryptogram. The computer chip enables more secure processing by producing a one-time code for each transaction.
  3. Mobile shopping. EMV technology will also enable a one-time code for mobile transactions and support other security innovations like tokenization.

How to use an EMV chip credit card

Not sure how to use that new chip-enabled card? It's simple:

  1. Insert card. With the chip facing the terminal and facing up, insert the card rather than swiping.
  2. Leave the card alone. Let the card stay in the terminal until prompted to take it out.
  3. Sign a receipt. You may be asked to provide a signature or PIN, although many merchants are now allowing small purchases without a signature.
  4. Remove your card. Some terminals will prompt you to remove your card with a loud beeping noise. Either way, don't forget it!

Major benefits

With safety as a primary feature, EMV chip cards deliver added protection to every purchase you make. And fraud is big business, financial experts have found, so you need all the help you can get:

  •  74%
  • Checks were targeted
  •  48%
  • Wire fraud was targeted
  •  30%
  • Corporate card fraud was targeted

Source: 2018 AFP Payments Fraud Survey

With fraud top of mind for many consumers, a chip-enabled card is a welcome package in the mail. Still need convincing? Here are benefits of an EMV chip card:

  • Can't easily counterfeit. Because EMV chip cards use cryptograms that are unique to each transaction, stolen chip card data cannot be used to create fake cards, says Visa.
  • Less risk of fraud. Visa says the added layer of security provided by chip cards makes credit and debit card data much less valuable, decreasing incentive for the bad guys to steal data.
  • Zero liability. With chip cards, cardholders are still protected from fraudulent purchases with Visa's zero liability policy, which is common in the industry.
  • Easy to use. Once you get the hang of it, you'll find the chip card to be a breeze. If you feel it takes too long, you're not alone (although it actually only takes seconds). A CreditCards.com poll found that one-sixth of consumers felt that it takes too long, although almost three-fifths had no complaints.

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.


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