Chip and PIN Credit Cards
WalletHub makes it easy to find the best chip and PIN credit card for you.
If you’d like a recommendation, check out our editors’ favorite chip and PIN credit cards below (some offers may come from WalletHub partners). These cards were selected from 1,000+ credit card offers due to standout rewards, financing deals and low fees. … show more
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Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
- Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express

- Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- $95 Annual Fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Bank of America® Cash Rewards credit card Bank of America® Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Hilton Honors American Express Card Hilton Honors American Express Card

- Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- Terms Apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- See More Details & Reviews About TheHilton Honors American Express Card
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 14.99% - 22.99% Variable APR will apply
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Travel Rewards credit card
American Express Cash Magnet® Card American Express Cash Magnet® Card

- Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Unlimited 1.5% Cash Back on your purchases.
- Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you'd like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
- Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
- Terms Apply.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- No Annual Fee.
- See More Details & Reviews About TheAmerican Express Cash Magnet® Card
Capital One® Walmart Rewards® Mastercard® Capital One® Walmart Rewards® Mastercard®

- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
- $0 annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Walmart Rewards® Mastercard®
Destiny Mastercard® Destiny Mastercard®

- All the benefits of a Mastercard, without a security deposit
- Keeping your account in good standing may help establish and/or improve your credit history
- Less than perfect credit is okay, even with a prior bankruptcy!
- Prequalify for a card today and it will not impact your credit score
- Reports to all three major credit bureaus
- See More Details & Reviews About TheDestiny Mastercard®
Bank of America® Premium Rewards® credit card Bank of America® Premium Rewards® credit card

- Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
- No limit to the points you can earn and your points don't expire
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center
- Get up to $100 in Airline Incidental Credits annually and TSA Pre✓ ®/Global Entry Statement Credits of up to $100, every four years
- No Foreign Transaction Fees
- Low $95 annual fee
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Premium Rewards® credit card
American Express® Gold Card American Express® Gold Card

- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- Terms Apply.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About TheAmerican Express® Gold Card
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WalletHub's Best Chip and PIN Credit Cards

That’s not the only notable chip-and-PIN credit card, though. The Delta SkyMiles® Gold American Express Card and the JetBlue Plus Card are great options, too. More generally, finding the right chip-and-PIN card depends on a variety of factors, including your credit score, spending and travel habits, and preferences in terms of rates, rewards and fees.
To help you make an informed decision, 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.
Best Chip and PIN Credit Cards:
Credit Card | Best For | Initial Bonus | Annual Fee |
Chase Sapphire Preferred® Card | Travel Rewards | 60,000 points | $95 |
The World Of Hyatt Credit Card | Hotel Points | 50,000 points | $95 |
JetBlue Plus Card | Airline Miles | 50,000 points | $99 |
Wells Fargo Propel American Express® card | No Foreign Transaction Fees | 20,000 points | $0 |
Chase Sapphire Reserve® | Airline Lounges | 50,000 points | $550 |
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.
Questions & Answers
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....show moreshow less
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Featured Credit Cards
Ask the Experts
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?
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Suzanne Matthews
Adjunct Instructor, Business Department, Director, Center for Financial and Economic Education, Westchester Community College
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Scott Wallace
Accounting Instructor, Blue Mountain Community College
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Susan Hume
Ph.D. - Associate Professor of Finance, School of Business, The College of New Jersey
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Gokce Soydemir
Ph.D., Professor, California State University, Stanislaus
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Gerald A. Hanweck Sr.
Professor of Finance, School of Business, George Mason University
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David M. Parker
MBA, JD., LL.M. National Security Law, LL.M. Human Rights Law, CFE, Director of Graduate Programs & Director, Center for the Study of Fraud and Corruption, Assistant Professor, Division of Accounting & Finance, Graham School of Management, Saint Xavier University
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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