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How to get a Chip & PIN card in the US

Chip & PIN cards are a type of credit card that holds some advantages over traditional magnetic stripe cards and even over chip & signature cards, the latter two of which make up the vast majority of credit cards in the US. The biggest advantage it has is it is a much higher level of secure protection over credit card fraud than the other options, and with the recent massive credit card debacle at Target, is more visible than ever before. The EMV chip embedded in these cards has encrypted your credit card data, making it very difficult to purloin. Some chip & PIN cards in Europe don’t actually have the magnetic strips on the back, as they can be easy to reproduce; they only have the chip & PIN function.

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Gizmodo has an article breaking down in greater detail the exact details of Chip & PIN cards and technology. Gary over at View from the Wing also has a great article on them, and why he is not in favor of them coming to the US.


Whether or not you want them here, they can definitely be beneficial to you should you happen to travel to a place where they only accept Chip & PIN cards, such as certain stores and restaurants in Europe. On my recent trip to Milan, I stopped to get gas for my Fiat 500, using my Arrival card (w/ chip & signature), and was asked for a PIN. I’d never set a PIN, so tried several things including 0000, but none worked, so I had to go to another station. However, up until a couple of days ago I was unsuccessful at finding any US-based credit card providers who offered Chip & PIN cards; they were all magnetic strip only or Chip & signature.

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Here is a guide, via creditcards.com, on current world EMV adoption rates.


One of my friends though recently told me that USAA, a bank that I truly love (I bet you don’t hear many people saying that about their bank), offers a Chip & PIN card! It appears as though it can function as a Chip & PIN, but also with a magnetic strip, so not as secure as it could be, but will function in Chip & PIN-only transactions.


Here is a PDF with some FAQs about the USAA World Mastercard w/ Chip & PIN. What happens is you apply for the regular card, and then once you get it and activate it, you can call in and request your Chip & PIN card, at which time you’ll set your PIN. UPDATE: I just called this morning, and they said because of the surge of requests secondary to the Target breach, they won’t be offering them again until mid-March. Mine will be mailing out in mid-March.


Here is the application page. You do need to be a USAA member to get one.


There is bad news though – this card, although it doesn’t have an annual fee, it does have a 1% foreign transaction fee.


This will be a great card to add to my armamentarium when I go overseas, but because of the foreign transaction fee, I won’t be using it unless I have to.


{ 5 comments… add one }
  • Andy March 5, 2014, 1:24 pm

    It seems as though there are a couple other cards and caveats. Firstly, USAA will waive the foreign transaction fee if you are deployed or stationed overseas.

    Secondly, it seems like the Andrews FCU Globetrek card and the BoA Travel Rewards card are available w/ Chip & PINs.

    • doctorofcredit March 5, 2014, 6:04 pm

      I think most issuers will waive the foreign transaction fee for active duty.

      • militaryfinance March 5, 2014, 6:48 pm

        @doctorofcredit – you are probably right, I’ll have to check into it…thanks for the tip!

        • doctorofcredit March 9, 2014, 7:37 pm

          No worries, I have a few friends who are active duty and they’ve always had these fees waived when requested.

          Thanks for your service.

  • askmrlee (@askmrlee) May 2, 2014, 9:41 am

    B of A Travel Rewards is Chip and Signature just like the other US big banks, but at least it has no foreign transaction fee.

    The article mentioned that in Europe some cards are Chip and PIN only. These are not Visa or MasterCards, but country specific cards such as Chipknip prepaid card in the Netherlands or the domestic Carte Bleue in France. All Visa and MasterCards valid for international use will still have magnetic stripes.

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