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.

Capital One® VentureOne® Rewards Credit Card
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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 from account opening, 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 from account opening, 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; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account 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 APR12.99% - 22.99% (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 from account opening, 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

See card details
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
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Expert Rating:
Key Feature:
Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49% - 23.49% based upon your creditworthiness.* Summary of Card Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49% - 23.49% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year.*
  • $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 on Balance Transfers*)
Intro APR
on Purch.
0%* intro on purchases (21 months on Purchases*)
Regular APR13.49% - 23.49%* (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.

  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
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Excellent, Good Credit
Discover it® - Cashback Match™
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Expert Rating:
Key Feature:
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. Summary of Card Features:
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 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.
  • Get your FICO® Credit Score for free on monthly statements, on mobile 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% (14 months)
Intro APR
on Purch.
0% (14 months)
Regular APR11.99% – 23.99% Variable
Annual Fee$0
Our Expert Opinion
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.

See card details
Credit One Bank® Platinum Credit Card with Rewards
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Expert Rating:
Key Feature:
Receive 1% cash back on eligible purchases, terms apply Summary of Card Features:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • 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 APR16.99% - 24.99% Variable
Annual Fee$0 - $99
Our Expert Opinion
  • Pre-Qualify without affecting your credit score.
  • Get 1% cash back on eligible purchases, terms apply.
  • Free online access to your credit score.

  • Has a foreign transaction fee.
  • Annual fee between $0 and $99.
See card details
Capital One® Premier Dining Rewards Credit Card
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Expert Rating:
Key Feature:
Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases Summary of Card Features:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No annual fee
  • No foreign transaction fees
Card Features:
Intro APR
on Bal. Tr.
N/A
Intro APR
on Purch.
N/A
Regular APR15.49% - 24.49% (Variable)
Annual Fee$0
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

See card details
Barclaycard CashForward™ World Mastercard®
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Expert Rating:
Key Feature:
Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Summary of Card Features:
  • Get a $200 cash rewards bonus after you spend $1,000 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 a U.S. checking or savings 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
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, 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.
0% (15 months)
Regular APR15.99%, 20.99% or 25.99% Variable
Annual Fee$0
Our Expert Opinion
  • Cash back rewards.
  • 0% intro APR on purchases and balance transfers.
  • No annual fee.

  • Balance transfer fee applies to each balance transfer.
  • Has a foreign transaction fee.
See card details
Citi Simplicity® Card - No Late Fees Ever
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Expert Rating:
Key Feature:
0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% 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 14.49% - 24.49% 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 on Balance Transfers*)
Intro APR
on Purch.
0%* intro on purchases (21 months on Purchases*)
Regular APR14.49% - 24.49% (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.
See card details
Average, Fair, Limited Credit
Capital One® Platinum Credit Card
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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

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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