EMV Chip Credit Card Offers of 2023

EMV chip credit cards have become a global standard. That is because banks want to minimize fraud and stealing of personal data, and want to increase security of credit card transactions. Credit cards with chips (or so called 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. 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.

February 2023: BEST EMV CHIP CREDIT CARD

Surge® Platinum Mastercard® Application
Compare now (14) »
4
Card Overall Rating
See website for Details*
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
See website for Details*
Ongoing APR
29.99% (Variable)
Annual Fee
See website for Details*
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)

More Credit Cards with EMV Chip Technology

First Tech Platinum Rewards Mastercard® Application
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on First Tech's secure website
5
Card Overall Rating
Excellent/Good/Fair Credit
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
12.24% - 18.00% Variable APR
Annual Fee
None
4
Card Overall Rating
Bad / No Credit
  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
21.64% (variable)
Annual Fee
$35

This offer is not available in West Virginia.

4
Card Overall Rating
Poor/Fair/Limited/Damaged
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

This offer is not available in West Virginia.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
9.99% Fixed
Annual Fee
$48
5
Card Overall Rating
Excellent/Good/Limited/No Credit
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 17.24 - 31.24%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.24 - 31.24% Variable
Annual Fee
$0

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% - 29.99%
Annual Fee
$0
Surge® Platinum Mastercard® Application
Compare now (14) »
4
Card Overall Rating
See website for Details*
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
See website for Details*
Ongoing APR
29.99% (Variable)
Annual Fee
See website for Details*
4
Card Overall Rating
Fair/Poor/Bad/Limited Credit
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.99% (Variable)
Annual Fee
See Terms

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% - 29.99%
Annual Fee
$0

EMV Chip Technology Credit Cards

The name EMV comes from its developers: Europay, Mastercard® and Visa®. The technology has shown a significant reduction in fraud and now it's become a must have for credit cards. If you've ever stumbled across such cards like smart cards, chip cards, and chip and signature cards, those are all EMV chip technology credit cards.

The EMV chip credit cards have microprocessor chips embedded in them. 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 with your PIN number or signature. 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.

Chip credit cards are on a different level of security and convenience. They give you confidence and even save your money. The chip cards are widely used in Europe and Canada. You no longer need to go to your issuer and request a new card with a chip and PIN for your travels abroad. They are standard in the U.S now.

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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