Ryan P Page, Staff Writer
A chip-and-PIN card is a credit card or debit card that requires you to input a personal identification number (PIN) into the point-of-sale (POS) system to confirm a purchase. Chip-and-PIN cards are more popular overseas, but you should be able to use them at any card terminal with a chip reader in the United States.
The primary benefit of a chip-and-PIN card is improved security since thieves will have a difficult time using your card if they don’t also have the PIN. You may want a chip-and-PIN card for traveling abroad to ensure you can use unmanned kiosks and other terminals that require a PIN. Otherwise, your chip-and-signature credit card should work fine, even while you’re traveling. Most credit cards in the United States are chip-and-signature.
5 Chip-and-PIN Credit Cards for 2023
Check out WalletHub’s guide on how chip-and-PIN cards work to learn more. Also, you can compare chip-and-PIN vs. chip-and-signature credit cards to see how they differ.
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