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Chase Sapphire Reserve® is not a chip and PIN card, it’s a chip and signature card. When it’s time to pay, you’ll have to insert your card into the machine (or sometimes swipe it), and then you may be asked to sign the touchpad or receipt to confirm the transaction. But you can still use Chase Sapphire Reserve most places that accept credit cards around the world, including most terminals equipped to accept chip and PIN cards. Chip and PIN is common in a lot of countries, like pretty much all of Europe, Mexico, Canada, South America and Asia. And Chase says Sapphire Reserve cards will work fine there.
Here’s how to use Chase Sapphire Reserve with chip and PIN terminals:
- U.S. terminals often require only a swipe or chip insertion. And if they ask for further verification, it’s typically a signature, not a PIN.
- If you encounter a merchant who asks for a PIN, Chase says to tell them your card doesn’t need one.
- If an unmanned kiosk asks for a PIN, you should be able to bypass it by pressing “Cancel,” “Enter” or “Continue.”
- If the merchant or terminal really won’t take your card without a PIN, you may have to just pay in cash or use an alternate card.
It’s also good to note that if you’ve been a Sapphire Reserve cardholder for a long time, you could have an older version of the card that only has a magnetic stripe. If you request a replacement card, the new one will come with a chip. You can request a new card by calling Chase customer service at 1-800-935-9935 or by logging in to your online account.
Chase Sapphire Reserve®
I'm confused. Why is this on the list of 2019's Best Chip-and-PIN, if it is just a chip and signature card? Is that the case with the others on the list as well?
No, it's signature, you don't need a PIN for the Reserve.
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