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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
show lessBest EMV Credit Cards
EMV CREDIT CARDS
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Wells Fargo Reflect® Card Wells Fargo Reflect® Card

- 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
Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- 40,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
BankAmericard® credit card BankAmericard® credit card

- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 3%
- Very high regular APR
- Excellent credit required
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card

- 0% for 18 billing cycles intro on purchases
- 0% for 18 billing cycles intro on balance transfers
- $0 annual fee
- Cell phone protection
- 19.24% - 29.24% (V) regular APR
- 3% (min $5) balance transfer fee
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card

- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
First Tech Choice Rewards World Mastercard® First Tech Choice Rewards World Mastercard®

- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases
Wells Fargo Autograph℠ Card Wells Fargo Autograph℠ Card

- 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)
- 19.74% - 29.74% Variable regular APR
- No balance transfer promotion
Best EMV Credit Cards of 2023

EMV stands for “Europay, Mastercard and Visa.” It’s shorthand for the advanced payment-processing standards that the U.S. recently adopted. EMV relies on smart cards containing embedded computer chips, which store personally identifying information. And that information is used to verify the identity of an individual making a purchase.
Chip-and-signature credit cards and chip-and-PIN credit cards both qualify as EMV cards, though they work a bit differently. Both types are thought to be more secure than magnetic-stripe cards because they are much harder for criminals to copy.
When making an in-person purchase at a retail establishment, you may have to “dip” your card into a card reader, rather than swiping it. You may have to wait a few seconds longer than usual, too. But those are pretty much the only differences you’ll generally notice. Most importantly, this doesn’t change the fact that you have a $0 fraud liability guarantee for all unauthorized credit card transactions.
Best EMV Credit Cards Comparison
Credit Card | Best For | Annual Fee |
---|---|---|
Chase Freedom Unlimited® | Best Overall | $0 |
Wells Fargo Active Cash® Card | Cash Back | $0 |
Blue Cash Preferred® Card from American Express | Good Credit | $0 intro 1st yr, $95 after |
Upgrade Cash Rewards Visa® | Fair Credit | $0 |
Petal® 2 Visa® Credit Card | Beginners | $0 |
Wells Fargo Reflect® Card | Best Rates | $0 |
Methodology for Selecting the Best EMV Credit Cards
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.show more
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Featured Credit Cards
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