WalletHub
Best EMV Credit Cards
WalletHub makes it easy to find the best EMV credit card for you.
EMV credit cards, also known as smart cards, have an embedded computer chip and are considered to be more secure than magnetic-stripe cards. They are called “EMV cards” because they adhere to the “Europay, Mastercard and Visa” payment-processing standards. And that’s no longer a novelty. Most, if not all, credit cards issued these days are chip cards. More specifically, they’re either chip-and-PIN cards or chip-and-signature cards. ... show more
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Best EMV Credit Cards
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Rates & Fees Best Overall:
Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
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Rates & Fees Best Overall:
Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
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Best Overall:
Chase Freedom Unlimited®Learn MoreLearn More
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Rates & Fees Cash Back:
Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Cash Back:
Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
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Cash Back:
Wells Fargo Active Cash® CardLearn MoreLearn More
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Rates & Fees Terms ApplyGood Credit:
Blue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
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Rates & Fees Terms ApplyGood Credit:
Blue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
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Good Credit:
Blue Cash Preferred® Card from American ExpressLearn MoreLearn More
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Fair Credit:
Upgrade Cash Rewards Visa®Learn MoreLearn More
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Fair Credit:
Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
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Fair Credit:
Upgrade Cash Rewards Visa®Learn MoreLearn More
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Beginners:
Petal® 2 Visa® Credit CardLearn MoreLearn More
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Beginners:
Petal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
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Beginners:
Petal® 2 Visa® Credit CardLearn MoreLearn More
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Rates & Fees Best Rates:
Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Best Rates:
Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
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Best Rates:
Wells Fargo Reflect® CardLearn MoreLearn More
- Best Overall:
- Cash Back:
- Good Credit:
- Fair Credit:
- Beginners:
- Best Rates:
COMPARE EMV CREDIT CARDS
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- Earn a $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR for 15 months on purchases and balance transfers (balance transfer fees apply)
- Potential for a very high interest rate - 18.49% - 28.49% (V)
- Balance transfer fee
- Available to applicants with good/excellent credit
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- Foreign transaction fee
- High regular APR
- No rewards
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- Earn a $200 initial bonus
- High rewards rate
- $0 annual fee
- High regular APR - 18.49% - 28.49% (V)
- Balance transfer fee
- Available to people with good/excellent credit
- Earn a 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- Earn a 75,000 miles bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
- Annual fee
- Not built for financing
- 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
- Earn a 75,000-mile initial bonus
- 2 - 10 miles per $1 spent on purchases
- Annual credit & bonus opportunities
- Airport lounge access
- $395 annual fee
- Not good for financing
- Available to people with excellent credit
- $200 initial bonus
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
Methodology
To identify the best EMV credit cards, WalletHub’s editors regularly compare all of the chip-and-PIN and chip-and-signature credit card offers from our database of 1,500+ cards. We evaluate the qualifying offers based on how much each one can be expected to save the average cardholder, considering projected two-year rewards earnings, finance charges and fees. This enables us to pinpoint the best offers for each major usage category, from rewards to balance transfers to building credit.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Best EMV Credit Cards FAQ
Comparing emv 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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Featured Credit Cards
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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: Petal® 2 Visa® Credit Card and Upgrade Cash Rewards Visa®.
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