Chase EMV List

[p-]

Since Amex is sending me a Unicorn with an EMV chip, I decided to email Chase and see if the Freedom Sig could have one added as well.  no luck, but they were kind enough to list the cards with chip and sig available.  Here is their response:

Dear p,

Thank you for contacting Chase about the Chip and Pin card
(EMV Chip).

Let me inform you that the Chase does not offer any Chip
and Pin card (EMV Chip card). Customers in the United
States traveling outside the U.S. are not required to
obtain a PIN.

Merchants in Europe (or other countries) are required to:

Accept all cards with magnetic stripe
Honor all cards bearing the Visa/ MasterCard brand mark if
they accept MasterCard

Accept magnetic stripe as well as chip cards, even in
markets that are evolving to 100% chip card local issuance

If you experience a problem with a magnetic stripe, please
urge the merchant to insert the card into the terminal and
follow the prompts. The terminal will automatically
request a signature. If the merchant insists on not
accepting the card, then please contact customer service
to report the merchant name and address.

In addition, Chase has some of the industries most
sophisticated systems that help to prevent unauthorized
access and use of your account. You are fully protected
by Visa and MasterCard's $0 liability policy. In the event
of unauthorized purchases, you would pay nothing.

Additionally, your account can be used worldwide wherever
Visa and MasterCard credit cards are accepted.

For your reference, Chase provides the below listed cards
with Chip with Signature feature:

- British Airways
- Hyatt Credit Card
- J.P. Morgan Select
- Marriott Premier
- The Ritz-Carlton Rewards Credit Card from J.P. Morgan

*Edit: And the Palladium from JP Morgan...  

[Anonymous]

Merchants in Europe (or other countries) are required to:

Accept all cards with magnetic stripe

[TheConductor]

That's an impressive response, on the whole.  I think they take exactly the right line about the issue: it's perfectly possible to travel without one, and your purchases are always protected by us wherever you go.  But, if you really want a chip, here are the cards where you can get one.

What I do find interesting is that the Palladium card is conspicuously absent from that list.  They are really sweeping that card under the rug these days.  Pay no attention to the rare metal behind the curtain!

[minipoly1]

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@Anonymous wrote:

Merchants in Europe (or other countries) are required to:

Accept all cards with magnetic stripe

---

LOL I've been denied twice at two restaurants. "Sorry we only take card with chip".

[daybreakgonesXe]

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@minipoly1 wrote:

---

@Anonymous wrote:

Merchants in Europe (or other countries) are required to:

Accept all cards with magnetic stripe

---

LOL I've been denied twice at two restaurants. "Sorry we only take card with chip".

---

This always makes me wonder though...what do they do when the locals' chips fail to read and they apparently won't take the mag stripe? Do they enter the card number manually and it'll prompt them to enter their pin number, or do they do the electronic method like here in the US when the swipe doesn't work (enter account #, expiration, and security code)? Or do they turn them away completely?

[Ron1]

For your reference, Chase provides the below listed cards 
with Chip with Signature feature:

- British Airways
- Hyatt Credit Card
- J.P. Morgan Select
- Marriott Premier
- The Ritz-Carlton Rewards Credit Card from J.P. Morgan

 There is No Chase United Explorer on the list.

Ron.

[TheConductor]

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@minipoly1 wrote:

---

@Anonymous wrote:

Merchants in Europe (or other countries) are required to:

Accept all cards with magnetic stripe

---

LOL I've been denied twice at two restaurants. "Sorry we only take card with chip".

---

They *are* required to accept any card on the network by the terms of their participation in the network.  

However, a lot of them misunderstand or misinterpret the liability situation.  The EMV liability shifts do not make the merchant liable for fraud when it occurs on a non-EMV-capable card.  They are only liable in situations where EMV was used, or where the card was EMV-capable and they did not use it.

The e-mail is technically correct, but the reality on the ground is that some merchants think they are supposed to refuse all magnetic stripes.  When what they are actually supposed to do is use the most secure method available for any given card.

Good luck trying to disabuse a merchant of this misconception, though.  And thus the reason why frequent foreign travelers want Chip-and-PIN cards.

[Anonymous]

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@TheConductor wrote:

---

@minipoly1 wrote:

---

@Anonymous wrote:

Merchants in Europe (or other countries) are required to:

Accept all cards with magnetic stripe

---

LOL I've been denied twice at two restaurants. "Sorry we only take card with chip".

---

They *are* required to accept any card on the network by the terms of their participation in the network.  

However, a lot of them misunderstand or misinterpret the liability situation.  The EMV liability shifts do not make the merchant liable for fraud when it occurs on a non-EMV-capable card.  They are only liable in situations where EMV was used, or where the card was EMV-capable and they did not use it.

The e-mail is technically correct, but the reality on the ground is that some merchants think they are supposed to refuse all magnetic stripes.  When what they are actually supposed to do is use the most secure method available for any given card.

Good luck trying to disabuse a merchant of this misconception, though.  And thus the reason why frequent foreign travelers want Chip-and-PIN cards.

---

Right, and that is the key!  The clerk taking (or rather not taking) your swipe card doesn't know the Visa/MC rules, and may have been told by management only to take chip&pin, or just be totally unfamiliar with swipe.  If you don't share a language, the problem is worse.

I think all US issuers will parrot that line (I've seen it from Capital One, which I think has no EMV in the US).   As TheConductor says, it doesn't reflect the reality on the ground, which is what matters to a traveller trying to buy that ticket for the train that leaves in 10 minutes.....

[enharu]

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@Anonymous wrote:

---

@TheConductor wrote:

---

@minipoly1 wrote:

---

@Anonymous wrote:

Merchants in Europe (or other countries) are required to:

Accept all cards with magnetic stripe

---

LOL I've been denied twice at two restaurants. "Sorry we only take card with chip".

---

They *are* required to accept any card on the network by the terms of their participation in the network.  

However, a lot of them misunderstand or misinterpret the liability situation.  The EMV liability shifts do not make the merchant liable for fraud when it occurs on a non-EMV-capable card.  They are only liable in situations where EMV was used, or where the card was EMV-capable and they did not use it.

The e-mail is technically correct, but the reality on the ground is that some merchants think they are supposed to refuse all magnetic stripes.  When what they are actually supposed to do is use the most secure method available for any given card.

Good luck trying to disabuse a merchant of this misconception, though.  And thus the reason why frequent foreign travelers want Chip-and-PIN cards.

---

Right, and that is the key!  The clerk taking (or rather not taking) your swipe card doesn't know the Visa/MC rules, and may have been told by management only to take chip&pin, or just be totally unfamiliar with swipe.  If you don't share a language, the problem is worse.

I think all US issuers will parrot that line (I've seen it from Capital One, which I think has no EMV in the US).   As TheConductor says, it doesn't reflect the reality on the ground, which is what matters to a traveller trying to buy that ticket for the train that leaves in 10 minutes.....

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+1

It's not just EMV too. Some merchants will not accept Discover cards even though they do accept Unionpay or Diners. 

[Anonymous]

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@Ron1 wrote:

For your reference, Chase provides the below listed cards 
with Chip with Signature feature:

- British Airways
- Hyatt Credit Card
- J.P. Morgan Select
- Marriott Premier
- The Ritz-Carlton Rewards Credit Card from J.P. Morgan

 There is No Chase United Explorer on the list.

Ron.

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Put Palladium on that list too.