EMV Chip Credit Card Applications

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Credit Card Applications » Chip Credit Card Applications

EMV Smart Chip Credit Cards

EMV chip technology is becoming a global standard for credit cards. It happens because banks and credit card issuers want to minimize fraud and stealing of personal data. Credit cards with chips (or smart cards) have been developed to fight fraud because chips better protect your personal data when you use your credit card at a point-of-sale. Today chip credit cards gain more and more popularity within U.S. consumers.

Below you will find chip credit cards we offer on our website. Frequent travelers and simply those consumers who care about security of their personal data may want to have one of these chip cards in their pocket.

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Capital One® Card Finder Tool
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Expert Rating:
Key Feature:
Find card offers you may be eligible for without affecting your credit score Summary of Card Features:
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what’s ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access, including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online or at a local branch
Card Features:
Intro APR
on Bal. Tr.
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Intro APR
on Purch.
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Regular APRVarious Rates
Annual FeeSee Terms
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Our Expert Opinion
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles and more
  • See your card matches in less than 60 seconds

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Excellent/Good Credit
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Expert Rating:
Key Feature:
Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness. Summary of Card Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Card Features:
Intro APR
on Bal. Tr.
0% (21 months)*
Intro APR
on Purch.
0% (21 months)*
Regular APR12.24% - 22.24%* (Variable)
Annual Fee$0*
Our Expert Opinion
  • 0% intro APR on purchases and balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • Free access to FICO® Scores.

  • Balance transfer fee is 3% of each balance transfer.
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Good, Excellent Credit
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Expert Rating:
Key Feature:
You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only. Summary of Card Features:
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam’s Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Card Features:
Intro APR
on Bal. Tr.
0% (12 months)
Intro APR
on Purch.
0% (12 months)
Regular APR11.24% – 23.24% Variable
Annual Fee$0
Our Expert Opinion
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam’s Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

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Expert Rating:
Key Feature:
Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel Summary of Card Features:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
Card Features:
Intro APR
on Bal. Tr.
N/A
Intro APR
on Purch.
0% intro on purchases for 12 months
Regular APR12.24% - 22.24% (Variable)
Annual Fee$0
Our Expert Opinion
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime

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Expert Rating:
Key Feature:
Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening Summary of Card Features:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Card Features:
Intro APR
on Bal. Tr.
0% (15 months (on balance transfers made within 45 days of account opening))
Intro APR
on Purch.
n/a
Regular APR14.99%, 19.99% or 24.99%* Variable
Annual Fee$0
Our Expert Opinion
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption

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Compare
Expert Rating:
Key Feature:
Earn unlimited 1.5% cash back on every purchase, every day Summary of Card Features:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Card Features:
Intro APR
on Bal. Tr.
0% intro on balance transfers for 9 months
Intro APR
on Purch.
0% intro on purchases for 9 months
Regular APR23.24% (Variable)
Annual Fee$39
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

See card details
Compare
Expert Rating:
Key Feature:
0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness Summary of Card Features:
  • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative".
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Card Features:
Intro APR
on Bal. Tr.
0% (21 months)*
Intro APR
on Purch.
0% (21 months)*
Regular APR13.24% - 23.24% (variable)
Annual Fee$0*
Our Expert Opinion
  • Zero intro APR on purchases and balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
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Average, Fair, Limited Credit
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Expert Rating:
Key Feature:
Pay no annual fee Summary of Card Features:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Card Features:
Intro APR
on Bal. Tr.
N/A
Intro APR
on Purch.
N/A
Regular APR24.99% (Variable)
Annual Fee$0
Our Expert Opinion
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen

See card details
Compare
Expert Rating:
Key Feature:
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases Summary of Card Features:
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Card Features:
Intro APR
on Bal. Tr.
n/a
Intro APR
on Purch.
n/a
Regular APR25.24%* Variable
Annual Fee$0
Our Expert Opinion
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing

See card details
Compare
Expert Rating:
Key Feature:
1% cash back on select purchases, terms apply Summary of Card Features:
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Email or text alerts to remind you when your payment is due
Card Features:
Intro APR
on Bal. Tr.
N/A
Intro APR
on Purch.
N/A
Regular APR15.65% - 24.15% Variable
Annual Fee$0 - $99
Our Expert Opinion
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges

See card details

* Click apply to read the full Terms and Conditions.

What is EMV Chip Technology?

The name EMV comes from its developers: Europay, MasterCard® and Visa®. The technology shows a significant reduction in fraud and now it is becoming a standard for credit cards. If you ever stumbled across such cards as smart cards, chip cards, and chip and signature cards, those all were EMV chip technology credit cards.

The EMV chip credit cards have microprocessor chips embedded. These chips store and protect cardholder's personal data. When you use a credit card with a chip, you can be asked to verify the purchase. This procedure secures the payment process and reduces the risk of fraud. Also, when you pay with a smart chip credit card, your card stays with you during the whole payment process, providing an additional layer of security.

The chip credit cards offer security and convenience. They give you confidence and even save your money. The chip cards are widely used in Europe and Canada. Now they are going to become a standard payment in the U.S.

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