topic Re: EMV Chip Cards in Credit Cards

EMV Chip Cards

Anonymous — Tue, 23 Apr 2013 18:22:40 GMT

Hi All,

More and more banks are beginning to issue chip cards in the U.S. and I thought it would be a good idea to start a thread to keep up with the latest offerings. Since I recently did a lot of research to find the best chip card for my overseas travels, I decided to put together my findings below so others can benefit. Since this is just a compilation of my notes, I'm sure its litered with inaccuracies and gaps so please take a look and suggest any changes or additions. I’m also game for adding any personal notes about your experiences requesting, receiving, or having to reorder chip cards so any and all feedback is welcome. I'll update this first post periodically with all the recent information.

Flyertalk thread: http://www.flyertalk.com/forum/credit-card-programs/1304271-usa-emv-cards-available-today-chip-pin-c...

American Express

Products

- Platinum (By Request)

Features

- Signature verification

- No cost for expedited shipping

Andrews FCU

Products

- Globetrek Rewards (Standard)

Features

- PIN verification (pre-set PIN)

- Replacement fee = $10

Bank of America

Products

- Travel Rewards (Standard)

- Privileges (Standard)

- Virgin Atlantic (Standard)

- Other Products Upon Request (Cash Rewards, Better Balance, Power Rewards, Asiana Airlines, AAA Member Rewards, Alaska Airlines, Royal Carribean)

Features

- Signature verification

Chase

Products

- British Airways (Standard)

- Hyatt (Standard)

- Ritz-Carlton (Standard)

- JP Morgan Select (Standard)

- Palladium (Standard)

- Marriot Rewards Premier (Standard)

Features
- Signature Verification

Citi

Products

- ThankYou Regular/Preferred/Premier (Standard)

- Platinum Executiv/Select/AAdvantage (Standard)

- Hilton HHonors Reserve (Standard)

- Prestige (Standard)

- Simplicity (By Request)

- Dividend (By Request)

- Forward (By Request)

- Diamond Preferred (By Request)

Features

- Signature Verification

- All Citi MasterCards can be converted upon request

Merrill Lynch

Products

- Merrill+

- Merrill Cash Back

Features

- Signature verification

PenFed

Products

- Cash Rewards

Features

- PIN Verification (self-selected)

U.S. Bank

Products

- Flex Perks

Features

- Signature verification

USAA

Products

- MasterCard Products (By Request)

Features

- PIN verification (pre-set PIN)

- If you lose your PIN you must be issued a new card

United Nations FCU

Products

- Platinum

Features

- PIN verification (pre-set or changeable?)

Re: EMV Chip Cards

DaveSignal — Tue, 23 Apr 2013 15:28:36 GMT

AFAIK, USAA is not offering EMV. I have asked for it before and was told that they haven't implemented it yet. Unless this is new in the last couple months.

SDFCU is the best, IMO.

Bank of America gave me the travel rewards card with 0% for 12 months plus 10,000 bonus points. That was a good deal.

Re: EMV Chip Cards

Anonymous — Tue, 23 Apr 2013 16:06:16 GMT

Flyertalk has an active thread but also maintain a spreadsheet on googledocs. See

https://docs.google.com/spreadsheet/ccc?key=0Ani-u3tGk5hedGRvcE1ELVg5UmlGZk01SHZvTUMxdUE#gid=0

Re: EMV Chip Cards

Cdnewmanpac — Tue, 23 Apr 2013 16:22:08 GMT

@DaveSignal wrote:
AFAIK, USAA is not offering EMV. I have asked for it before and was told that they haven't implemented it yet. Unless this is new in the last couple months.

SDFCU is the best, IMO.

Bank of America gave me the travel rewards card with 0% for 12 months plus 10,000 bonus points. That was a good deal.

USAA started offering the world mc with emv chip/pin a few months ago. I have one. It works. While USAA charges a 1% foreign transaction fee, this is a small price to pay for those limited situations when you really need chip/pin. Since those transactions tend to be small (train ticket at unattended kiosk off hours or in smaller town, for example), the 1% is not an issue for me.

Re: EMV Chip Cards

Revelate — Tue, 23 Apr 2013 16:56:30 GMT

SDFCU: EMV for everything.

Didn't take a look at the spreadsheet, but there's not much sense maintaining a seperate list if theirs is robust and publicly available. Long as we give credit/reference to where it's from, can't see anyone taking exception to our linking to it.

Re: EMV Chip Cards

jsickz32 — Tue, 23 Apr 2013 17:10:20 GMT

You forgot the Bofa privilege cash rewards. It comes with EMV chip.

Re: EMV Chip Cards

Anonymous — Tue, 23 Apr 2013 17:14:49 GMT

@Revelate wrote:
SDFCU: EMV for everything.

Didn't take a look at the spreadsheet, but there's not much sense maintaining a seperate list if theirs is robust and publicly available. Long as we give credit/reference to where it's from, can't see anyone taking exception to our linking to it.

Flyertalk thread is http://www.flyertalk.com/forum/credit-card-programs/1304271-usa-emv-cards-available-today-chip-pin-chip-signature.html

and the link to the spreadsheet is in post 1

Re: EMV Chip Cards

thom02099 — Tue, 23 Apr 2013 17:43:24 GMT

@Anonymous wrote:
Hi All,

More and more banks are beginning to issue chip cards in the U.S. and I thought it would be a good idea to start a thread to keep up with the latest offerings. Since I recently did a lot of research to find the best chip card for my overseas travels, I decided to put together my findings below so others can benefit. Since this is just a compilation of my notes, I'm sure its litered with inaccuracies and gaps so please take a look and suggest any changes or additions. I’m also game for adding any personal notes about your experiences requesting, receiving, or having to reorder chip cards so any and all feedback is welcome. I'll update this first post periodically with all the recent information.

American Express
Products
- Platinum (By Request)

Features
- Signature verification
- No cost for expedited shipping

Andrews FCU
Products
- Globetrek Rewards (Standard)

Features
- PIN verification (pre-set PIN)
- Replacement fee = $10

Bank of America
Products
- Travel Rewards (Standard)
- Select Products (By Request)
- Cash Rewards Signature Visa

Features
- Signature verification

Chase
Products
- British Airways (Standard)
- Hyatt (Standard)
- Ritz-Carlton (Standard)
- JP Morgan Select (Standard)
- Palladium (Standard)
- Marriot Rewards Premier (Standard)

Features
- Signature Verification

Citi
Products
- ThankYou Regular/Preferred/Premier (Standard)
- Platinum Executiv/Select/AAdvantage (Standard)
- Hilton HHonors Reserve (Standard)
- Prestige (Standard)
- Simplicity (By Request)
- Dividend (By Request)
- Forward (By Request)
-Diamond Preferred Mastercard (by request)

Features
- Signature Verification
- All Citi MasterCards can be converted upon request

Merrill Lynch
Products
- Merrill+
- Merrill Cash Back

Features
- Signature verification

PenFed
Products
- Cash Rewards

Features
- PIN Verification (self-selected)

U.S. Bank
Products
- Flex Perks

Features
- Signature verification

USAA
Products
- MasterCard Products (By Request)

Features
- PIN verification (pre-set PIN)
- If you lose your PIN you must be issued a new card

United Nations FCU
Products
- Platinum

Features
- PIN verification (pre-set or changeable?)

Addtions above in RED

Re: EMV Chip Cards

elpo9 — Tue, 23 Apr 2013 21:26:04 GMT

@thom02099 wrote:
@Anonymous wrote:
Hi All,

More and more banks are beginning to issue chip cards in the U.S. and I thought it would be a good idea to start a thread to keep up with the latest offerings. Since I recently did a lot of research to find the best chip card for my overseas travels, I decided to put together my findings below so others can benefit. Since this is just a compilation of my notes, I'm sure its litered with inaccuracies and gaps so please take a look and suggest any changes or additions. I’m also game for adding any personal notes about your experiences requesting, receiving, or having to reorder chip cards so any and all feedback is welcome. I'll update this first post periodically with all the recent information.

American Express
Products
- Platinum (By Request)

Features
- Signature verification
- No cost for expedited shipping

Andrews FCU
Products
- Globetrek Rewards (Standard)

Features
- PIN verification (pre-set PIN)
- Replacement fee = $10

Bank of America
Products
- Travel Rewards (Standard)
- Select Products (By Request)
- Cash Rewards Signature Visa
- Better Balance Rewards MC (standard)

Features
- Signature verification

Chase
Products
- British Airways (Standard)
- Hyatt (Standard)
- Ritz-Carlton (Standard)
- JP Morgan Select (Standard)
- Palladium (Standard)
- Marriot Rewards Premier (Standard)

Features
- Signature Verification

Citi
Products
- ThankYou Regular/Preferred/Premier (Standard)
- Platinum Executiv/Select/AAdvantage (Standard)
- Hilton HHonors Reserve (Standard)
- Prestige (Standard)
- Simplicity (By Request)
- Dividend (By Request)
- Forward (By Request)
-Diamond Preferred Mastercard (by request)

Features
- Signature Verification
- All Citi MasterCards can be converted upon request

Merrill Lynch
Products
- Merrill+
- Merrill Cash Back

Features
- Signature verification

PenFed
Products
- Cash Rewards

Features
- PIN Verification (self-selected)

U.S. Bank
Products
- Flex Perks

Features
- Signature verification

USAA
Products
- MasterCard Products (By Request)

Features
- PIN verification (pre-set PIN)
- If you lose your PIN you must be issued a new card

United Nations FCU
Products
- Platinum

Features
- PIN verification (pre-set or changeable?)
Addtions above in RED

Re: EMV Chip Cards

Ron1 — Tue, 23 Apr 2013 21:29:04 GMT

Diners Club is also EMV chip card.

Ron.

Re: EMV Chip Cards

DaveSignal — Wed, 24 Apr 2013 05:44:51 GMT

Cdnewmanpac wrote:
DaveSignal wrote:
AFAIK, USAA is not offering EMV. I have asked for it before and was told that they haven't implemented it yet. Unless this is new in the last couple months.

SDFCU is the best, IMO.

Bank of America gave me the travel rewards card with 0% for 12 months plus 10,000 bonus points. That was a good deal.
USAA started offering the world mc with emv chip/pin a few months ago. I have one. It works. While USAA charges a 1% foreign transaction fee, this is a small price to pay for those limited situations when you really need chip/pin. Since those transactions tend to be small (train ticket at unattended kiosk off hours or in smaller town, for example), the 1% is not an issue for me.

Thanks, maybe I will call them again sometime. Except that there are other EMV cards with 0% ForEx fee, some of which I have, so I don't think the USAA would get much use.

Re: EMV Chip Cards

Anonymous — Fri, 03 May 2013 23:12:10 GMT

came across this article with a list of US cards with EVM chips

http://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-emv-chip-credit-cards/

Re: EMV Chip Cards

Anonymous — Fri, 03 May 2013 23:37:28 GMT

Just requested a replacement card with an emv chip for my Amex PRG.I didn't know it's available for Premier Gold card...

Re: EMV Chip Cards

thom02099 — Sat, 04 May 2013 01:24:02 GMT

@Anonymous wrote:
Just requested a replacement card with an emv chip for my Amex PRG.I didn't know it's available for Premier Gold card...

Hmmm...that would be contradictory to what AMEX is saying. This reply I got (04/14/13) from AMEX via secure message from my account when I asked them about it:

Dear Mr. XXXXXXXXX,

I'd like to inform you that as of today, the Chip & Signature feature is available on Platinum Cards.

While we do not currently issue Chip & PIN cards and Chip & Signature feature for Cards other than Platinum Cards, in the U.S., I assure you that we continually evaluate new technology to make our products and services better for you.

We will notify you about the availability of this feature on your Card as and when we come up with any such developments.

Alternatively, if you wish, you may apply for a Platinum Card online or via Phone.

You may view the details pertaining to this Card by using the below mentioned link and apply for the same online:

http://www304.americanexpress.com/getthecard/learn-about/Platinum-Card/25330.

You may also call our Apply by Phone department at 877-621-2639, Monday - Friday (8:00 a.m. - midnight ET).

Please revert to this email in case there is anything else and I'll be glad to assist you with the same.

Have an excellent weekend!

Sincerely,

Re: EMV Chip Cards

Anonymous — Sat, 04 May 2013 04:16:52 GMT

Try calling the Amex CSR regarding that.I'll be receiving my premier with emv chip on Tue via UPS.Well,just hope the CSR was right.She said it's a guarantee that I'll be receiving the card with a chip..

Re: EMV Chip Cards

Anonymous — Sat, 04 May 2013 04:51:00 GMT

Oh just realized it's not an emv chip like with my Hilton reserve card.it's an express payment chip!well, i guess it's ok too!

Re: EMV Chip Cards

Anonymous — Sat, 04 May 2013 04:54:05 GMT

My BoA 123 Cash Rewards card comes with EMV without my request

Re: EMV Chip Cards

cashnocredit — Sat, 04 May 2013 05:59:10 GMT

My gf has a Citi Visa Freedom. Citi upgraded it to a Siggy with an EMV chip without a request so it may be automatic on Freedom Siggys.

Re: EMV Chip Cards

vish1 — Sat, 04 May 2013 13:36:45 GMT

@cashnocredit wrote:
My gf has a Citi Visa Freedom. Citi upgraded it to a Siggy with an EMV chip without a request so it may be automatic on Freedom Siggys.

Citi Freedom? Did you mean Chase Freedom?

I have NOT heard of that card. May be I am out of touch.

Re: EMV Chip Cards

cashnocredit — Sat, 04 May 2013 14:10:50 GMT

@vish1 wrote:
@cashnocredit wrote:
My gf has a Citi Visa Freedom. Citi upgraded it to a Siggy with an EMV chip without a request so it may be automatic on Freedom Siggys.
Citi Freedom? Did you mean Chase Freedom?

I have NOT heard of that card. May be I am out of touch.

Oops. I meant Citi Forward.