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EMV Credit Cards

EMV stands for “Europay, MasterCard and Visa” and is used as shorthand to describe payment processing standards that have become increasingly commonplace around the world in recent years. These standards involve the use of chip-based smart cards and specialized point of sale machines, and they are generally regarded as being more secure than the traditional magnetic stripe credit card technology currently used in the United States. Both chip-and-PIN and chip-and-signature cards are included in the category of EMV cards, and you can compare both below (some offers are from CardHub advertisers). While verification for chip-and-signature transactions is done via…show more

    3.5 3,113 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Travel when you want with no blackout dates
    • Fly any airline, stay at any hotel, anytime
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - Provides you with valuable features to help manage, use and even extend warranties of items purchased with your card
    • Auto rental insurance - Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    4 1,467 reviews

    Citi Simplicity® Card – No Late Fees Ever


    citi simplicity
    • Purchase Intro APR 0% for 21 months
    • Transfer Intro APR 0% for 21 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The same great rate for all balances, after the introductory period.
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
    • See More Details & Reviews About The Citi Simplicity® Card – No Late Fees Ever
    3.5 936 reviews

    Citi® Double Cash Card – 18 month BT offer


    citi double cash card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 18 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1% + 1% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • No categories to track, no caps on cash back, no annual fee*
    • Additional Info
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • See More Details & Reviews About The Citi® Double Cash Card – 18 month BT offer
    3.5 3,274 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Every 10th Uber ride is free up to $15 when you pay with your Quicksilver card through March 31, 2017
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,858 reviews

    Chase Slate®


    chase slate
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months $0 Intro Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    3.5 1,583 reviews

    Blue Cash Everyday® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
    • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    3.5 408 reviews

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 24.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival™ World MasterCard®
    4.5 2,595 reviews

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival plus
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 20.24% (V)
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
    • Earn 2X miles on all purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival Plus™ World Elite MasterCard®
    4 1,633 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts and spas with your Visa Signature® card
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature® Concierge
    • Special access to events - Your Visa Signature® card gets you special access and preferred seating at popular sporting events, premier golf outings and concerts
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance
    • Auto Rental Insurance - Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss
    • See More Details & Reviews About The Capital One® Venture® Rewards Credit Card
    4 2,065 reviews

    Chase Freedom®


    chase freedom
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 5% (min $5) Transfer Fee
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • 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
    • Unlimited 1% cash back on all other purchases – it’s automatic
    • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
    • Cash Back rewards do not expire as long as your account is open
    • Additional Info
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No Annual Fee
    • See More Details & Reviews About The Chase Freedom®
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    Smart Chip Technology

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    Ask our Experts

    Expert’s Answers

    What is EMV and how does it work?

    By: John Kiernan, Personal Finance EditorEMV is used to describe the advanced payment processing standards that have become the norm in many countries and to which the United States is currently migrating. EMV verification relies on smart computer chips that are embedded in credit cards and store personally identifying information that is used to verify the identity of the party making a transaction. Both chip and signature credit cards and chip and PIN credit cards are included in the EMV category, though they work in different ways. Nevertheless, all chip-based cards are considered to be more secure than magnetic stripe cards since they are much harder for criminals to duplicate.

    Chip and PIN vs Chip and Signature

    By: John Kiernan, Personal Finance EditorChip and PIN credit cards and chip and signature credit cards both rely on EMV verification technology and are generally regarded as being more secure than the standard magnetic stripe credit cards that have been used for decades in the United States. Chip and PIN credit cards rely on an embedded computer chip that corresponds to a PIN number assigned to each cardholder. For a payment to be authorized at a merchant that has a chip reader, the user must insert their card into the payment terminal and input their PIN. Chip and signature cards work a bit differently, as payment verification is completed with a signature, much like with a magnetic stripe credit card. In fact, both chip and PIN and chip and signature credit cards still have magnetic stripes in order to promote usability in areas that have not yet become fully EMV compliant – such as the United States.

    The biggest difference between chip and PIN and chip and signature credit cards involves so-called “offline transactions.” Such transactions occur primarily outside the United States with kiosks (think ticket machines in train stations or parking garages) or at merchants that operate in rural areas where telecommunications costs are high. Chip and PIN cards work for these transactions because a consumer’s PIN can be cross-referenced against data stored on the computer chip embedded within the card and therefore verified. Chip and signature cards do not work because the offline payment terminal is unable to communicate with the issuing institution and thereby verify the card as being legitimate.

    Where are EMV credit cards most useful?

    By: Randy Vanderhoof, Executive Director of the Smart Card AllianceRelative to magnetic stripe credit cards, chip-enabled cards will be most useful at unattended merchants, such as ticket agencies, parking garages and fuel stations as well as in smaller retail shops that are not trained to accept US-issued magnetic-stripe-only cards.

    Can an EMV card’s magstripe be copied?

    By: Randy Vanderhoof, Executive Director of the Smart Card AllianceEMV chip cards use special encoding on the magnetic stripes so if someone copies the mag stripe data and produces a counterfeit magstripe card, than swipes the card at an EMV enabled terminal, the issuer/processor will detect that the stripe data belongs to an EMV chip card and won’t allow the counterfeit magstripe card to be authorized at the merchant terminal.

    A counterfeit magstripe card will be accepted at a non-EMV enabled terminal only if the clone stripe was copied directly off the original EMV chip card. The issuer will see the transaction data indicating that the EMV mag stripe is being used at a non-EMV terminal so it would not be able to detect it is a duplicated copy. However, it would not be accepted if the clone magstripe was created using transaction data from an EMV chip transaction because the security code will be a unique chip generated value that would only be accepted for one (the original use) transaction.

    Why should consumers care about EMV, in light of $0 fraud liability guarantees?

    By: Randy Vanderhoof, Executive Director of the Smart Card AllianceFraud ultimately costs consumers in higher annual fees, higher interest rates, and tightened credit limits. Consumers expect that their credit cards are safe and won’t need to be replaced often due to merchant data breaches or having their individual cards compromised, leading to fraudulent charges that could affect their credit or ability to use their card. Even if there is no liability for fraudulent transactions, there is considerable inconvenience as well as customer service issues that result from fraud, so consumers will benefit from reduced fraud in many other ways.

    Community Discussion

    Ask a question or help others find the best emv credit cards by sharing some tips.

     
    Nov 10, 2015
    By:
    I really like cards with a smart chip. I believe that the chips are a very secure way of transacting. The card with a smart chip that I use on a daily basis is the Chase Freedom. I really love the card for its rewards program. Anyway, when I go to store nowadays to make a purchase I don't have to swipe. Instead you take the side of the card where the chip is and stick it in the machine. The machine scans the chip and reads the code off it making a more securer transaction. I actually like this method over swiping the card.
    Oct 20, 2015
    By:
    I'm glad that my card has the EMV chip in it- all of the research that I've done says that it is much safer and pretty much a vital feature in a credit card. With all of the risks of theft, it certainly doesn't hurt to have this type of card.
    Oct 20, 2015
    By:
    My local bank is just finally catching up with the trends and mailed me an EMV embedded debit card a few weeks ago. At first, I had no idea what is was, or why they would bother. However, after reading up on it, I'm so pleased to have the extra layer of theft prevention in place and, frankly, am in a bit of disbelief that this technology wasn't already implemented a decade ago when identity theft skyrocketed.
    Oct 7, 2015
    By:
    No foreign transaction fees is a huge plus for any credit card. Using a credit card internationally can quickly become quite expensive when you factor in any fees. My Barclaycard Ring MasterCard as served me very well while abroad; it has no foreign transaction fees that I have to worry about. I do wish it had some more perks attached to it, such as cash back, but at the very least there is no annual fee. I am not too familiar with EMV smart chips, but if they can help reduce the need for foreign transaction fees I would be completely for them.
    Jun 18, 2016
    Photo of Mary M.
    My daughter will be studying in France for six months. Can you recommend a student card?
    Oct 7, 2015
    By:
    My First Premier Credit Card has a EMV smart chip I believe. If they are more safe I am for them. We need all the security we can get. There should no be foreign transaction fee. I haven't had one. There are enough fees on credit cards including ones with EMV so there doesn't need to be a foreign transaction fee. If in another country I would want my transactions to be secure. With the EMV smart chip I think that they would be safer than with magnetic strips that can be duplicated. So I would not want to have a transaction fee for that security.
    Sep 23, 2015
    By:
    My Barclaycard® Rewards MasterCard® is the card that I use when I'm in England and it is essential that I use this card as it has the EMV smart chip when I'm there. All the transaction systems in the UK have a pin & chip requirement so when I tried to swipe there, it was so foreign to many of the stores. Also, it allows for less fraud as it is more difficult to extract personal credit card information in the chip as it gets reconfigured each time you use the chip. This is essential as it essential to protect your bank account especially when traveling.
    Sep 23, 2015
    By:
    My Chase Credit Card has the EMV smart chip. It is honestly my favorite credit card that I own. I have no foreign transaction fee as well on the card which is very nice. I travel about once every two years so it really helps when I'm trying to pinch pennies!
    Sep 22, 2015
    By:
    I have had a Chase emv smart chip credit card for a while. I love this card. The main reason I got the card was because I use Chase as my bank. I also like that there aren't a lot of fees and all of the extras that I get for using my card. I also like the privacy that comes with the card and having a emv smart chip card.
    Sep 12, 2015
    By:
    I chose the Citi Double Cash Card because it came with a smart chip in it for added protection and security. With all of the fraud and identity theft out there today, it was important to me that I am using a credit card that is completely protected. I feel confident using it everywhere I shop. The rewards are also unbeatable. My old credit card gave only 1% back on purchases, whereas the Citi Card gives you back 2% on everything you buy. It is money I am spending anyway, so I might as well get back the maximum rewards!
    Jul 15, 2015
    By:
    The EMV smart chip is extremely important to have for a credit card. There are many reasons to this. Most importantly, it provides an extra layer of security when paying at a merchant. When paying with an EMV chip, your credit card number and other information isn't given to the vendor, making it more difficult for your identity to be stolen. Furthermore, many merchants prefer that customers pay with EMV instead of sliding a credit card so they are less likely to have to deal with fraud. Overall, the EMV chip is quite important to both consumers and merchants.
    Jul 12, 2015
    By:
    I am looking forward to using the EMV chip technology. I have had a couple of instances where I was alerted to fraudulent credit card purchases. One purchase was even in another country that I had never been to. I am starting a new business and will be using the EMV cards for business transactions and travel. This will be more secure. It’s good to know that the unsecure magnetic strips are on the way out. I’ll have peace of mind knowing I won’t have to worry about someone high jacking my card information.
    Jun 30, 2015
    By:
    The first time I used a EMV card I was so confused! Then after some research, I was happy that one of my credit card companies was going the extra mile to keep my information safe. After hearing about security leaks at retailers, I now look exclusively for cards with EMV technology. I also check out fees, interest rates, and point-earning opportunities. I am not afraid to transfer balances if I find better EMV cards with low interest rates.
    Jun 22, 2015
    By:
    I'll be honest, when I applied for Blue Cash Everyday® Card from American Express, I really just needed a card to perform a 0% APR balance transfer. I was charged a small percentage fee and it was simple! Other than this transaction, I don't think the card is all that special. You do get rewards, but of course, it takes quite awhile to gather a good amount. The APR is rather high and I have very good credit, so that stinks. Overall, it's a decent card, but nothing spectacular after the introductory offer.
    Jun 17, 2015
    By:
    The new EMV technology is essential to keeping my information and account safe from theft. The chip keep my information more secure from being copied. I had a situation years ago where the magnetic strip on my card was copied at a swiper. I took weeks to get it all straitened out. Now with the new EMV technology, I am much less concerned about my account being compromised.
    May 25, 2015
    By:
    As a business owner I can say that this new EMV technology is extremely important, not just to customers, but business owners as well. It makes sure that the card is legitimate and greatly reduces the likelihood of fraud. I have had a few times when customers have tried to claim fraud after using their card, confirmed with ID at my business. The bottom line is that using this technology to save money will reduce costs across the industry.
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