April 9, 2012 in 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.

Read more about the best travel credit cards here.

EMV cards available in the U

Major issuer EMV card name Card type PIN? Annual fee?
Major issuer: Andrews Federal Credit Union EMV card name: GlobeTrek Visa Rewards Card Card type: Rewards credit card PIN? Yes Annual fee? None
Major issuer: Bank of America EMV card name: Corporate One card Card type: Corporate card PIN? Yes Annual fee? N/A
Major issuer: Bank of America EMV card name: Corporate Travel card Card type: Corporate card PIN? Yes Annual fee? N/A
Major issuer: Bank of America EMV card name: Executive One card Card type: Corporate card PIN? Yes Annual fee? N/A
Major issuer: Chase EMV card name: British Airways Visa Signature credit card Card type: Travel rewards credit card PIN? No $95
Major issuer: Chase EMV card name: Hyatt Visa Signature Credit Card Card type: Travel rewards credit card PIN? No $75
Major issuer: Chase EMV card name: JPMorgan Select Visa Signature Card Card type: Rewards credit card PIN? No Annual fee? $95 after first year
Major issuer: Chase EMV card name: JPMorgan Palladium Visa Signature Card Card type: Luxury credit card PIN? No $595
Major issuer: Citi EMV card name: Corporate Chip and PIN card Card type: Corporate card PIN? Yes, when merchant can do it Annual fee? N/A
North Carolina State Employees’ Credit Union SECU Visa Check debit card Debit card PIN? Yes, for debit purchases None
PIN? No, for credit purchases
Major issuer: Silicon Valley Bank EMV card name: World Elite MasterCard for Business card Card type: Corporate card PIN? Yes, only for cash advances Annual fee? N/A
Major issuer: Travelex EMV card name: Cash Passport prepaid card Card type: Prepaid card PIN? Yes Annual fee? None, but other fees apply
Major issuer: United Nations Federal Credit Union EMV card name: Visa Elite credit card Card type: Rewards credit card PIN? Yes $50
Major issuer: U.S. Bank EMV card name: FlexPerks Travel Rewards Visa credit card Card type: Travel rewards credit card PIN? No Annual fee? $49 after first year
Major issuer: Wells Fargo EMV card name: Platinum credit card (EMV in pilot phase) Card type: Standard credit card PIN? Yes, when merchant can do it Annual fee? None

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