
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
EMV CREDIT CARDS
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- 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

- 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
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR

- 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

- $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

- $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

- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit

- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases

- Offers 2% cash back
- $0 annual fee
- Multiple redemption options
- Low intro APR on balance transfers
- 3% foreign transaction fee
- No initial rewards bonus

- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee

- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
- $95 Annual fee
- 1 point per $1 base earn rate
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. 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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