The Barclaycard Arrival Plus® World Elite Mastercard® is the best chip and PIN credit card for the same reasons it’s one of the best travel credit cards on the market. Arrival Plus offers exceptional rewards, including both a big initial bonus and a great ongoing rate. You can use your miles to pay for any travel purchase. There’s no foreign transaction fee. And because Arrival Plus is a Mastercard, you can use it anywhere in the world that accepts plastic, while saving on currency conversion.
Arrival Plus isn’t the only notable chip and PIN credit card, though. WalletHub’s editors compared all of the chip and PIN cards in our database of 1,000+ credit card offers and selected their favorites in a handful of popular categories.
2018’s best chip and PIN credit cards are:
|Best For…||Card Name||Chip and PIN?||Annual Fee||Initial Bonus|
|Overall||Barclaycard Arrival Plus® World Elite Mastercard®||Yes||None 1st yr, $89 after||40,000 miles|
|Airline Miles||JetBlue Plus Card||Yes||$99||40,000 points|
|Hotel Points||Starwood Preferred Guest® Credit Card from American Express||Yes||None 1st yr, $95 after||25,000 points|
|Cash Back||HSBC Cash Rewards Mastercard® credit card||Yes||None||$150|
|Airline Lounges||Chase Sapphire Reserve℠||Yes||$450||50,000 points|
None of WalletHub’s picks charge a foreign transaction fee. But they all require at least good credit for approval. You can check your latest credit score for free on WalletHub to get a feel for your chances.