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All BofA cards now come with chip

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longtimelurker
Epic Contributor

Re: All BofA cards now come with chip


@Marcos8 wrote:

Do chip cards still have a magnetic strip? Is there any difference in using a chip card on the web for purchases?


The chip cards have a magnetic strip for backward compatability.  However you cannot use the strip in an EMV-enabled reader, it will tell you to insert the card.

 

No difference on the web, things like Verified By Visa apply to both chipped and non-chipped cards.

Message 11 of 29
HiLine
Blogger

Re: All BofA cards now come with chip

I received a new Better Balance Rewards card from BofA several months ago, and it did not come with a chip. This is fortunate because the chip is how I tell my Cash Rewards and my Travel Rewards apart at quick glance. 

Message 12 of 29
One7
Valued Contributor

Re: All BofA cards now come with chip

Soon everyone will begin to implement chips on their cards, my Amex cards (SPG and Costco TE) didn't come with them so I sent them a message requesting cards with the chips and they sent them to me. I think cards look better with them, and it's definitely more safe to use when processed that way

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 13 of 29
One7
Valued Contributor

Re: All BofA cards now come with chip


@JKXX wrote:
Got a chip on my cash rewards as well when I got the siggy upgrade two months ago.

My Travel Rewards is now over $5k, did you request yours to be upgraded or did they do it automatically? If so, was it a HP, thanks in advance

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 14 of 29
bk510
Valued Contributor

Re: All BofA cards now come with chip


@Marcos8 wrote:

Do chip cards still have a magnetic strip? Is there any difference in using a chip card on the web for purchases?


No magnatic strips on Chip cards

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 15 of 29
longtimelurker
Epic Contributor

Re: All BofA cards now come with chip


@bk510 wrote:

@Marcos8 wrote:

Do chip cards still have a magnetic strip? Is there any difference in using a chip card on the web for purchases?


No magnatic strips on Chip cards


?  That is just not true!

Message 16 of 29
paulko85
Established Member

Re: All BofA cards now come with chip

what's the point of these chips? 

I have a credit card.
Message 17 of 29
One7
Valued Contributor

Re: All BofA cards now come with chip


@longtimelurker wrote:

@bk510 wrote:

@Marcos8 wrote:

Do chip cards still have a magnetic strip? Is there any difference in using a chip card on the web for purchases?


No magnatic strips on Chip cards


?  That is just not true!


Definitely NOT true. All CCs have a magnetic strip

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 18 of 29
One7
Valued Contributor

Re: All BofA cards now come with chip


@paulko85 wrote:

what's the point of these chips? 


Extra security,  eventually I'm assuming all cards will have them. Used all over the world to prevent fraud, the US is a little late in implementing them. Targets new cards are going to have them to try and prevent the fiasco they had recently where alot of people's info was stolen.

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 19 of 29
longtimelurker
Epic Contributor

Re: All BofA cards now come with chip


@One7 wrote:

@paulko85 wrote:

what's the point of these chips? 


Extra security,  eventually I'm assuming all cards will have them. Used all over the world to prevent fraud, the US is a little late in implementing them. Targets new cards are going to have them to try and prevent the fiasco they had recently where alot of people's info was stolen.


Yep.  Think of ATM cards.  The current no chip&pin situation here is similar to ATM cards having no PIN, you just put the card in (or a copy of the card) and scrawl something that isn't checked, and the ATM gives out the money.    But until recently, the individual losses haven't been enough for a big push to EMV.

 

ETA: And the current PIN technology on ATM cards is also weak.   EMV makes it much harder to copy the card

Message 20 of 29
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