There are no Capital One chip and PIN cards. All new Capital One credit cards are chip and signature cards, just like the vast majority of credit cards issued in the U.S. As the name suggests, chip and PIN cards require the cardholder to enter a number at checkout, while chip and signature cards require a signature instead. Chip and PIN cards are a bit more secure because forging a signature is easier to do than figuring out someone’s PIN. Despite this, chip and signature cards are still the majority of the market in the U.S. Outside of the U.S., chip and PIN cards are much more popular. Don’t worry about your card not being accepted abroad, though. Foreign merchants are supposed to take your card regardless of whether or not you have a PIN.
When you have a Capital One card in the U.S., the only time you would need a PIN is for a cash advance. That’s when you use your card to withdraw money from an ATM. But be careful, as cash advances come with high fees. To get a PIN, request it online or call Capital One at 1-844-348-9142.
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