Slowly but surely, credit card issuers in the U.S. are beginning to add EMV technology (chip and signature) to their credit cards. This is especially useful for Americans who are planning on traveling abroad since many establishments in other countries do not accept magnetic stripe cards. EMV cards are also much more secure than magnetic stripe cards which can be cloned easily for fraudulent use. Only a few issuers in the U.S. are currently issuing EMV cards. I'll show you which issuers they are and which are our top rated EMV cards in the U.S. right now.

Europe started adopting chip cards not long after 2002 with the collaboration between MasterCard (MA), Visa (V) and EuroPay creating the leading global standard for chip technology - EMV - which stands for EuroPay, MasterCard, Visa. The difference between magnetic stripes and EMV credit cards is that EMV cards encrypt different data for each transaction, while magnetic stripes offer the same data each time. This makes EMV credit cards much harder to copy and use fraudulently. Over 80 countries use chip cards, and many European and Asian countries no longer acknowledge magnetic stripe cards. So, apart from offering extra security and convenience, chip cards are practically becoming a necessity when traveling to foreign countries.

In 2012, four major issuers began introducing chip cards in the U.S. These issuers are Citi (C), American Express (AXP), Discover (DFS) and Chase (JPM). At the moment there are around 50 EMV cards available to cardholders in the U.S. - which is not much compared to places like Europe where chip cards are the norm! The latest issuer to introduce EMV technology to one of its most popular travel cards is Chase.

Citi is another issuer that is a pioneer in EMV credit cards in the U.S. All Citicards can be issued with chip and signature by request.

Here are some of the credit cards with chip technology that received high ratings on GET.com, which we highly recommend to people who will travel abroad:

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$0 Intro for the First Year, then $95

Why we like it
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
Excellent Credit


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite™ Mastercard<sup>®</sup>

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

APPLY NOWAt Citi's secure website
  • Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
APPLY NOWAt Citi's secure website

N/A

17.99% - 25.99%* (Variable)

$99, waived for first 12 months*

Why we like it
  • Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*.
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*.
Excellent, Good


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Limited Time Offer
Barclaycard Arrival Plus<sup>®</sup> World Elite Mastercard<sup>®</sup>

Barclaycard Arrival Plus® World Elite Mastercard®

Limited Time Offer
APPLY NOWAt Barclays' secure website
  • Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
APPLY NOWAt Barclays' secure website

0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening

17.99%, 21.99% or 24.99% variable based on your creditworthiness

$89 (waived first year)

Why we like it
  • Excellent travel rewards program.
  • 0% intro APR for balance transfers for first 12 billing cycles following each BT that posts within 45 days of account opening.
We least like
  • No intro APR period for purchases.
Good/Excellent

If you are planning on traveling abroad, it is important to use a credit card that offers specific rewards, benefits and perks - such as no foreign transaction fee! To help you choose the right credit card for your travels, you can also check out this selection of our top rated travel credit cards.