EMV Chip Credit Card Offers of 2018

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 2018: BEST EMV CHIP CREDIT CARD

Discover it® Miles Application
Compare now (40) »
5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
10.99% (14 months)
Ongoing APR
13.24% - 24.24% Variable
Annual Fee
$0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.

More Credit Cards with EMV Chip Technology

5
Card Overall Rating
Fair Credit
  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.24% - 25.24% Variable
Annual Fee
$0 - $99
5
Card Overall Rating
Excellent, Good Credit
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.24% - 24.24% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent Credit
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness. There is a fee for balance transfers.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months (on balance transfers made within 45 days of account opening))
Ongoing APR
17.24%, 21.24% or 24.24% Variable
Annual Fee
$89 - waived first year
5
Card Overall Rating
Excellent, Good Credit
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.24% - 24.24% Variable
Annual Fee
$0
4
Card Overall Rating
Fair Credit
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.24% - 25.24% Variable
Annual Fee
$0 - $99
4
Card Overall Rating
Bad / No Credit
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
18.64%
Annual Fee
$35

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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