WalletHub
Best Chip and PIN Credit Cards
WalletHub makes it easy to find the best chip and PIN credit card for you.
A chip and PIN credit card is a card that contains a small computer chip and gives users a 4-digit personal identification number (PIN) to enter when making purchases. Chip and PIN credit cards provide improved security compared to chip and signature cards and magnetic stripe cards.
Chip and PIN cards can also be used in the most places internationally, including the automated kiosks you might find in a train station or parking garage. You can check out our editors’ favorite chip and PIN credit cards below (some offers may come from WalletHub partners).
Best Chip and PIN Credit Cards (June 2026)
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Winner:
Bank of America® Premium Rewards® credit cardLearn MoreLearn Moreon issuer's website
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Winner:
Bank of America® Premium Rewards® credit cardLearn MoreLearn Moreon issuer's website
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Winner:
Bank of America® Premium Rewards® credit cardLearn MoreLearn More
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Cash Back:
Bank of America® Unlimited Cash Rewards credit cardLearn MoreLearn Moreon issuer's website
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Cash Back:
Bank of America® Unlimited Cash Rewards credit cardLearn MoreLearn Moreon issuer's website
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Cash Back:
Bank of America® Unlimited Cash Rewards credit cardLearn MoreLearn More
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No Foreign Transaction Fees:
Bank of America® Travel Rewards credit cardLearn MoreLearn Moreon issuer's website
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No Foreign Transaction Fees:
Bank of America® Travel Rewards credit cardLearn MoreLearn Moreon issuer's website
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No Foreign Transaction Fees:
Bank of America® Travel Rewards credit cardLearn MoreLearn More
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Rates & Fees Terms ApplyAirport Lounges:
American Express Platinum Card®Learn MoreLearn Moreon issuer's website
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Rates & Fees Terms ApplyAirport Lounges:
American Express Platinum Card®Learn MoreLearn Moreon issuer's website
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Airport Lounges:
American Express Platinum Card®Learn MoreLearn More
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Hotel Points:
Choice Privileges® Select Mastercard®Learn MoreLearn More
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Hotel Points:
Choice Privileges® Select Mastercard®Learn MoreLearn Moreon issuer's website
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Hotel Points:
Choice Privileges® Select Mastercard®Learn MoreLearn More
- Winner:
- Cash Back:
- No Foreign Transaction Fees:
- Airport Lounges:
- Hotel Points:
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FILTER CHIP AND PIN CREDIT CARDS
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- High rewards rate
- 60,000 points initial rewards bonus
- No foreign transaction fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- Great rewards
- Hundreds in annual credits
- $895 annual fee
- Limited financing capabilities
- No preset spending limit
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- Foreign transaction fee
- Balance transfer fee
- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 5%
- Very high regular APR
- Excellent credit required
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- 20,000-point initial bonus
- 3 points / $1 spent in bonus categories
- $0 annual fee
- 0% for 12 months from account opening on purchases intro offer
- $600 in cell phone protection (subject to a $25 deductible)
- 18.49%, 24.49%, or 28.49% Variable regular APR
- No balance transfer promotion
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- No membership fees
- 0.99% intro APR for 12 months from account opening on balance transfers made in the first 60 days
- No balance transfer fee
- No foreign transaction fee
- No rewards
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
Chip and PIN Credit Cards FAQ
Comparing chip and pin credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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How does chip and PIN work?
What is the chip in a credit card?
How do I use a chip card?
Can chip credit cards be hacked?
Can chip cards be skimmed?
Featured Credit Cards
Expert Opinions
Chip and PIN credit cards are the norm in some parts of the world, but they’re still pretty unfamiliar to Americans. To help change that, we posed the following key questions about chip and pin credit cards to a panel of experts. You can check out their comments by clicking “Read More” below.
- Why is it taking the U.S. so long to switch to chip-and-PIN credit cards?
- What is the biggest misconception you think people have about “chip” cards?
- Should people make sure they have a chip-and-PIN credit card before traveling internationally?
- How much safer are chip-and-PIN credit cards than chip-and-signature cards and magnetic stripe cards?
Adjunct Professor, Financial Crime, School of Business & Justice Studies, Utica University
Read More
Director MLS Program, University of Cincinnati College of Law
Read More
Professor of Finance, Loyola University Maryland, Sellinger School of Business and Management
Read More
Ph.D., CISSP, Adjunct Professor, The University of Texas School of Law
Read More
Ph.D., Assistant Teaching Professor, D’Amore McKim School of Business, Northeastern University
Read More
Ph.D. Security+, PenTest+, CNVP, AWS-CSAA, Associate Professor, Computer Science / Challey Scholar, North Dakota State University
Read More
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Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: USAA® Cashback Rewards Plus American Express® Card, Barclaycard Arrival™ World MasterCard®, and Choice Privileges® Select Mastercard®.
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