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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 |
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|---|---|---|---|---|
| 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.
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.
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