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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Wells Fargo Platinum card Wells Fargo Platinum card
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 Annual Fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
- Convenient tools to help create a budget and manage your spending with My Money Map
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Platinum card
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 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
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 15 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
BankAmericard® credit card BankAmericard® credit card

- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBankAmericard® 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, plus, earn 4X points for Uber Eats purchases too.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $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.
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- Terms Apply.
- Rose Gold is back. You can now choose between Gold or Rose Gold.
- 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
Wells Fargo Cash Wise Visa® card Wells Fargo Cash Wise Visa® card
- Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- Select "Apply Now" to learn more about the product features, terms and conditions
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 annual fee
- See More Details & Reviews About TheWells Fargo Cash Wise Visa® card
The Platinum Card® from American Express The Platinum Card® from American Express

- Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
- Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
- Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
- 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- Terms Apply.
- $550 annual fee.
- 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 The Platinum Card® from American Express
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express

- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 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.
- $0 introductory annual fee for one year, then $95.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
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®
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, 13.99% - 23.99% 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
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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 | 80,000 points | $95 |
World of Hyatt Credit Card | Hotel Points | 30,000 points | $95 |
JetBlue Plus Card | Airline Miles | 40,000 points | $99 |
Wells Fargo Propel American Express® card | No Foreign Transaction Fees | 20,000 points | $0 |
Chase Sapphire Reserve® | Airline Lounges | 60,000 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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A. Ant Ozok
Ph.D., Associate Professor, Department of Information Systems, University of Maryland, Baltimore County
Read More
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Jocelyn Evans
Associate Dean of Undergraduate Students and Professor of Finance in the School of Business at the College of Charleston
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Sahar Bahmani
Ph.D., Professor of Finance, Department of Business, College of Business, Economics & Computing, University of Wisconsin-Parkside
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Phil Uhlmann
Ph.D., Senior Lecturer, Finance Department, Bentley University
Read More
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Patricia A. Ryan
Ph.D., Associate Professor, Colorado State University, College of Business, Department of Finance and Real Estate
Read More
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Malcolm Robinson
Professor and Chairperson of Economics, Thomas More College
Read More
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