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Going abroad: Who offers EMV credit cards?

Credit Cards » Going Abroad: Who Offers EMV Credit Cards?

If you plan to visit another country, your credit card may not work in some stores, restaurants and highway tollbooths, among other places. That's because magnetic-strip cards have been replaced with EMV credit cards, named for developers Europay, MasterCard and Visa, in many countries.

EMV credit and debit cards, which contain a microchip to store and encode information more securely, are used in 80 countries in Europe, Latin America and Asia, according to the Smart Card Alliance, a New Jersey nonprofit that promotes smart card usage.

If you travel abroad often and would like to carry an EMV chip card, check out Bankrate.com's list of banks that offer EMV chip cards to U.S. consumers as of March 2012. If your bank, credit union or credit card company isn't on the list, it could be there in the future.

EMV cards available in the U

Major issuerEMV card nameCard typePIN?Annual fee?
Major issuer: Andrews Federal Credit UnionEMV card name: GlobeTrek Visa Rewards CardCard type: Rewards credit cardPIN? YesAnnual fee? None
Major issuer: Bank of AmericaEMV card name: Corporate One cardCard type: Corporate cardPIN? YesAnnual fee? N/A
Major issuer: Bank of AmericaEMV card name: Corporate Travel cardCard type: Corporate cardPIN? YesAnnual fee? N/A
Major issuer: Bank of AmericaEMV card name: Executive One cardCard type: Corporate cardPIN? YesAnnual fee? N/A
Major issuer: ChaseEMV card name: British Airways Visa Signature credit cardCard type: Travel rewards credit cardPIN? No$95
Major issuer: ChaseEMV card name: Hyatt Visa Signature Credit CardCard type: Travel rewards credit cardPIN? No$75
Major issuer: ChaseEMV card name: JPMorgan Select Visa Signature CardCard type: Rewards credit cardPIN? NoAnnual fee? $95 after first year
Major issuer: ChaseEMV card name: JPMorgan Palladium Visa Signature CardCard type: Luxury credit cardPIN? No$595
Major issuer: CitiEMV card name: Corporate Chip and PIN cardCard type: Corporate cardPIN? Yes, when merchant can do itAnnual fee? N/A
North Carolina State Employees' Credit UnionSECU Visa Check debit cardDebit cardPIN? Yes, for debit purchasesNone
PIN? No, for credit purchases
Major issuer: Silicon Valley BankEMV card name: World Elite MasterCard for Business cardCard type: Corporate cardPIN? Yes, only for cash advancesAnnual fee? N/A
Major issuer: TravelexEMV card name: Cash Passport prepaid cardCard type: Prepaid cardPIN? YesAnnual fee? None, but other fees apply
Major issuer: United Nations Federal Credit UnionEMV card name: Visa Elite credit cardCard type: Rewards credit cardPIN? Yes$50
Major issuer: U.S. BankEMV card name: FlexPerks Travel Rewards Visa credit cardCard type: Travel rewards credit cardPIN? NoAnnual fee? $49 after first year
Major issuer: Wells FargoEMV card name: Platinum credit card (EMV in pilot phase)Card type: Standard credit cardPIN? Yes, when merchant can do itAnnual fee? None

Note: PNC provides an EMV version of its corporate travel and purchasing cards. The bank did not provide details.

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