Best Chip and PIN Credit Cards

A chip-and-PIN credit card works a lot like a traditional debit card at an ATM. However, when making purchases, rather than swiping a magnetic stripe credit card, you insert (or “dip”) a chip-and-PIN card into a payment terminal and follow the prompt to input your PIN. The PIN is then compared to information stored on the embedded computer chip, and the transaction is either approved or denied.

Such transactions are the norm in many countries and are becoming increasingly common in the United States, as the country transitions to EMV payments. But chip-based cards still come with magnetic stripes because there are many places where you won’t be able to use the chip-and-PIN feature. You will have to swipe your card, like with a normal credit card.  

You should have received a PIN with your card, but you can always set it up later or change it by getting in touch with your credit card issuer.

Feel free to check out some of the best chip-and-PIN credit cards and pick one according to your individual needs and credit standing. You can use the filters on the left sde of the page to sort the cards according to your preferences.

The chip in a credit card is a microprocessor that makes a credit card transaction more secure. These chips, also called EMV chips, generate a unique code each time you “dip” your card into a payment terminal or tap to pay. Once used, the code - also called a “token” - cannot be used for a future transaction. So, if a fraudster attempted to intercept your chip transaction, they wouldn’t get anything of value.

How...

To use a chip card, insert the chipped side of the credit card into the slot at the bottom of the card reader, chip facing up. Keep the card in the reader and follow the instructions on the screen. When the transaction is complete, the screen will tell you to remove your card from the slot.

If the retailer has not yet switched to a chip card reader, you can still swipe the card’s...

Yes, credit cards issued by American Express have chip-and-PIN capability. However, there are some banks and credit unions that offer cards on the American Express network without this feature. For example, the USAA® Rewards™ American Express® Card is a chip-and-PIN credit card, while the Navy Federal More Rewards Card is a chip-and-signature card. Both types comply with EMV (Euro Mastercard Visa) standards for chip-based cards.

Chip and PIN vs. Chip-and-Signature Capability

• Chip cards are embedded with a computer chip for added...

Yes, the Barclaycard Arrival™ World MasterCard® is chip-and-PIN enabled. To set up a PIN, log in to your online account and select the "Services" drop down menu from your homepage. Then select "Manage your PIN" and follow the instructions to set it up.

Activating your PIN requires completing a transaction at a location with a cashier by inserting your chip in the payment terminal. Once the transaction has gone through, the activation process will finish within 24 hours...

Chip cards are safer and more secure than traditional credit cards that only have magnetic stripes because they are difficult to clone, due to their sophisticated encryption technology. This technology is a major security upgrade from magnetic stripes.

The term “chip card” refers to a credit card that has a computer chip embedded inside it. The chip is the small, metallic square on the front of any recently-issued credit or debit card. When you dip...

There are no new credit card chip laws, because the government isn’t regulating the U.S. switch to EMV, chip-enabled cards. Nobody will get arrested or fined for using a credit or debit card without a chip in it, nor will merchants face legal consequences for not updating to EMV-compliant payment terminals.

Consequences for Merchants Who Aren’t EMV-Compliant

The EMV transition in the U.S. is a push by the credit card industry to stop...

No, there aren’t any Capital One chip and PIN credit 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. Chip-and-PIN cards are more popular in Europe. Both types comply with EMV (Euro Mastercard Visa) standards for chip-based cards.

Differences Between PIN and Signature EMV Chip Cards

• As the name suggests, chip and PIN cards require the cardholder to enter a...

Yes, Chip credit cards can be “hacked,” in the sense that a thief who inserts a “skimming” device into a credit card terminal can copy data from your credit card and later make a copy of the card. However, skimmers can only copy data from your card’s magnetic stripe, not its chip, which is much more encrypted. Therefore, any copy of your card will only have a magnetic stripe. That means criminals can’t use it any merchant...

Yes, chip cards can be skimmed because of the magnetic strip that still exists on these cards. While chip technology significantly reduces the risks associated with card fraud, it does not eliminate them entirely.

What is Card Skimming?

Chip cards include both an embedded microchip and a magnetic strip. The chip generates a unique transaction code for every purchase, the magnetic strip retains static information, which can still be read by skimming devices. Skimmers...

No, Chase doesn't have any chip-and-PIN credit cards. All recently issued Chase cards are chip-and-signature credit cards. They have a small computer chip embedded inside, just like chip-and-PIN cards. The difference is in how you verify your identity when you use the card. With a chip-and-signature card, you have to sign your name when you make a purchase. A chip-and-PIN card requires a four-digit PIN (Personal Identification Number).

Naturally, it’s easier to do a false...

Yes, the Bank of America Travel Rewards credit card is a chip-and-PIN card. The easiest way you can request a PIN for your Bank of America Travel Rewards credit card is either online or through the mobile app. Alternatively, you can ask for a PIN over the phone, by calling customer service at (800) 732-9194 or the number you see on the back of your card.

How to Request a Bank of America Travel Rewards credit card PIN Online

1. Log in to your Bank of America online account or use the mobile app.
2. Navigate...