@Anonymous wrote:
@Anonymous wrote:If you graduated or work at Havard, the Havard Alumni card supposedly is a Chip and PIN: https://harvardcard.com/
I'm glad you mentioned this one. I did see that listed and forgot to include it. Sadly not available to the masses.
Is the Harvard card PIN priority? My impression was that it is Signature priority, but has PIN for secondary verification--making it similar to other US-based cards.
@Anonymous wrote:So far, in the US, I can only see that Barclays offers actual Chip and Pin, while all others that have a chip still require a signature after a transaction in a machine that accepts chips.
I changed my PIN last night since I'm going to be doing some overseas travel. I hope I that doesn't mean they have to send me a new card, or it may not arrive in time...
Anyway, does anyone know of any other US card that has actual chip and pin?
I live part time in France, so I deal with this all the time.
One easy workaround is to have an EMV ATM/debit card (which you can get from Chase, Schwab, others), and use that when you require Chip-and-PIN.
@victor7 wrote:
@Anonymous wrote:
@Anonymous wrote:If you graduated or work at Havard, the Havard Alumni card supposedly is a Chip and PIN: https://harvardcard.com/
I'm glad you mentioned this one. I did see that listed and forgot to include it. Sadly not available to the masses.
Is the Harvard card PIN priority? My impression was that it is Signature priority, but has PIN for secondary verification--making it similar to other US-based cards.
According to database, Harvard card is chip & pin priority. So, US has only 3 issuers of true chip & pin. Though the UNFCU offers true chip & pin, they do charge FTF and the process to obtain the card sounds like a pain so am glad I was able to get Diner's Elite when available.
A lot of issuers (BofA, Citi, Wells Fargo, Barclays) have added chip & pin capability to quite a few of their chip & sig priority cards, with Chase promising to add that next year to their cards (Spring 2016 is the latest I heard from a CSR) so there are more choices now than just Barclays Arrival Plus, Penfed, USAA, etc. but definitely check to make sure they have no FTF if taking it abroad.
Just came back from Europe and chip & sig was fine in most tourist areas, big department stores and restaurants but it was nice to have the Diner's chip & pin when at grocery stores with long lines behind me
Took mostly taxi's so didn't get to use my cards at unmanned kiosks at subway stations.
It is overly simplistic at best and misleading at worst but I think the chip and PIN labeling with cards like Barclay's has stuck with the public. Considering that European style PIN preferring cards are extremely rare in the US I'm not sure there's much of a point in correcting people any more. (In fact I've been told I was flat out wrong when I tried to explain that the Arrival+ is chip and signature, at least most of the time. I could not convince this person otherwise. 
)
Maybe we should start calling cards like the Arrival+ "American-style chip and PIN cards" instead? 
@dilettante wrote:
@victor7 wrote:
@Anonymous wrote:
@Anonymous wrote:If you graduated or work at Havard, the Havard Alumni card supposedly is a Chip and PIN: https://harvardcard.com/
I'm glad you mentioned this one. I did see that listed and forgot to include it. Sadly not available to the masses.
Is the Harvard card PIN priority? My impression was that it is Signature priority, but has PIN for secondary verification--making it similar to other US-based cards.
According to database, Harvard card is chip & pin priority. So, US has only 3 issuers of true chip & pin. Though the UNFCU offers true chip & pin, they do charge FTF and the process to obtain the card sounds like a pain so am glad I was able to get Diner's Elite when available.
A lot of issuers (BofA, Citi, Wells Fargo, Barclays) have added chip & pin capability to quite a few of their chip & sig priority cards, with Chase promising to add that next year to their cards (Spring 2016 is the latest I heard from a CSR) so there are more choices now than just Barclays Arrival Plus, Penfed, USAA, etc. but definitely check to make sure they have no FTF if taking it abroad.
Just came back from Europe and chip & sig was fine in most tourist areas, big department stores and restaurants but it was nice to have the Diner's chip & pin when at grocery stores with long lines behind me
I thought Bank of America still advertises their credit cards as chip and signature only, even though the card's setup in theory supports PIN. Is this something new?