EMV Chip Credit Card Offers of 2022

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.

June 2022: BEST EMV CHIP CREDIT CARD

Surge 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
24.99% - 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

4
Card Overall Rating
  • 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
  • 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
17.64% (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

The Merrick Bank offers are not available in Wisconsin.

4
Card Overall Rating
See website for Details*
  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. AS you pay your bill every month, we report to all three major credit reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

The Merrick Bank offers are not available in Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
20.20% to 30.45% *Variable
Annual Fee
$0-$72

This offer is not available in Colorado, Illinois, Massachusetts, West Virginia, Wisconsin.

4
Card Overall Rating
All Credit Types Welcome to Apply
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • 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
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

This offer is not available in Colorado, Illinois, Massachusetts, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% Variable
Annual Fee
$69
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 13.74% - 27.74%
  • 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
13.74 - 27.74% Variable
Annual Fee
$0

This offer is not available in Wisconsin.

3
Card Overall Rating
Good/Limited Credit
  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • A minimum collateral deposit of $200 is required to open this account.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.

This offer is not available in Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.90% (fixed)*
Annual Fee
$39*

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

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn a $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
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99% - 29.99%
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
  • Only Verizon Wireless Account Owners and Managers on accounts with up to 12 phone lines max (depending on plan) are eligible to apply for the Verizon Visa® Card.
  • New enrollees to Verizon’s Auto Pay can get up to $10 per month off each eligible account or line up to 12 lines max (depending on plan). New card holders can enroll using their card which is the only credit card approved for the discount.
  • You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.
  • Card holders can use Verizon Dollars at our store - but they don’t have to. They can use them on travel, or to get gift cards from their favorite brands. They can even put them toward their wireless bill.
  • No annual or foreign transaction fees.178
  • To learn more see www.verizon.com/verizonvisacard for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.99% - 25.99% (variable, dependent on card type) Rates are accurate as of April 1, 2022
Annual Fee
$0178
Surge 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
24.99% - 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
24.99% - 29.99% (Variable)
Annual Fee
See Terms

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

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn a $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 card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-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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