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EMV Chip Credit Cards
- Compare credit cards with chip technology from our partners
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- Rewards Rate 1.25 Miles per dollar on every purchase, every day
- Intro Purchase APR 0% intro on purchases for 12 months
- Regular Purchase APR 12.99% - 22.99% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
See additional details for Capital One® VentureOne® Rewards Credit Card
- Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
- Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
- Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 800-483-4499
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
- $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
See additional details for BankAmericard® Credit Card
- Bonus Miles One-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of account opening, equal to $400 in travel
- Rewards Rate 2 miles per dollar
- Rates & Fees No Foreign Transaction Fees & No Blackout Dates
- Annual Fee $0 intro for first year; $59 after that
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online
- Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
- Earn unlimited 2X miles per dollar on every purchase, every day
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
- Get a metal Venture Card when you apply today
See additional details for Capital One® Venture® Rewards Credit Card
- Rewards Rate Unlimited 1.5 points per $1 spent on all purchases
- Bonus Points 20,000 bonus points after meeting purchase requirements
- Rates & Fees No Foreign Fees, No Annual Fee, & No Rewards Cap
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online or call 800-775-8735
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
See additional details for BankAmericard Travel Rewards® Credit Card
- Bonus Miles We'll match all the Miles you've earned at the end of your first year.*
- Rewards Rate 1.5 Miles per $1 Spent*
- Redeeming is Easy Redeem miles for cash or travel credit*
- Annual Fee $0
- Credit Needed Excellent/Good Credit
- Card Brand Discover
Highlights
- Match Mile For Mile: We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
- Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
- No Blackout Dates - fly any airline, stay at any hotel.
- Redeem your Miles as statement credits towards travel purchases.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No Annual Fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
See additional details for Discover it® Miles
- Rewards Rate Earn 1% on Purchases & 1% on Payments
- Rates & Fees No Annual Fee & a Low Regular APR
- No Limits or Restrictions No Cash Back Limits & Your Rewards Won't Expire
- Annual Fee $0*
- Credit Needed Excellent, Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
- Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- No categories to track, no caps on cash back, no annual fee*
See additional details for Citi® Double Cash Card – 18 month BT offer
- Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
- Bonus Cash One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
- Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
- Pay no annual fee or foreign transaction fees
See additional details for Capital One® Quicksilver® Cash Rewards Credit Card
- Intro Purchase APR 0%* for 21 months on Purchases*
- Intro BT APR 0%* for 21 months on Balance Transfers*
- Regular Purchase APR 13.49% - 23.49%* (Variable)
- Annual Fee $0*
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
- Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No annual fee*
- Free access to FICO® Scores*
See additional details for Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
- Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
- EARN Up to 5% cash back in bonus categories, 1% on everything else*
- Redeem Any amount, any time. Cash back rewards never expire*
- Annual Fee $0
- Credit Needed Excellent/Good Credit
- Card Brand Discover
Highlights
- Click "APPLY NOW" to apply online or call 800-628-1537
- You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® Cashback Match™
- Bonus Rewards 50,000 bonus points
- Rewards Rate 2X points on travel and dining
- Bonus Perks 1:1 point transfer to leading airline and hotel loyalty programs
- Annual Fee $0 for the First Year, then $95
- Credit Needed Excellent
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
- Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
- No foreign transaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
- No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card
- Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
- Sign-up Bonus Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Cash Back Details Redeem Cash Back for any amount, anytime
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online
- Unlimited 1.5% cash back on every purchase – it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Redeem for cash – any amount, anytime
- Cash Back rewards do not expire as long as your account is open
- No annual fee
See additional details for Chase Freedom Unlimited℠
- Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
- Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
- Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand American Express
Highlights
- Click "APPLY NOW" to apply online or call 866-901-8258
- $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- No annual fee.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
- See Rates & Fees
See additional details for Blue Cash Everyday® Card from American Express
- Intro Purchase APR 0%* for 21 months on Purchases*
- Intro BT APR 0%* for 21 months on Balance Transfers*
- Regular Purchase APR 14.49% - 24.49% (Variable)
- Annual Fee $0*
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The same great rate for all balances, after the introductory period.
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
See additional details for Citi Simplicity® Card - No Late Fees Ever
- Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months*
- Bonus Rewards 6% at U.S. supermarkets on up to $6,000 per year in purchases*
- Rewards Rates 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases*
- Annual Fee $95
- Credit Needed Excellent/Good
- Card Brand American Express
Highlights
- Click "APPLY NOW" to apply online or call 866-901-8258
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
- 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- $95 annual fee.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
- See Rates & Fees
See additional details for Blue Cash Preferred® Card from American Express
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
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By: Jackie Blackmon | Jul 6, 2015
what is the best card for earning rewards and a lower interest rate?
1 Reply
By: CompareCards | Jul 7, 2015
Hi Jackie,
There are a number of cards that offer excellent rewards programs as well as low interest rates. The first card I'd recommend is the Citi Double Cash. This card offers an unlimited 1% cash back when you make a purchase and another 1% when you pay your bill. So if you pay your balance in full each month, you'll be earning a steady 2% cash back on all of your purchases! The Citi Double Cash also offers 0% APR for the first 15 months to new cardholders.
Another card to take a look at is the Chase Freedom. This card also has 0% APR for 15 months and an award winning cash back program. Cardholders earn 1% on all purchases as well as 5% back in various categories that change each quarter. The 5% categories typically include things like gas, groceries, and dining out.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
EMV Credit Cards: PIN-and-chip or chip-and-signature
EMV credit cards, also known as chip-and-PIN cards, are credit cards that come with a small microprocessor chip embedded in the credit card. EMV stands for Europay, MasterCard, and Visa, who are the pioneers of this technology. This technology works the same as traditional magnetic strip credit cards in that it still stores the credit card numbers and expiration dates. What’s different, though, is that transactions are encrypted each time the card is used, making it extremely difficult for thieves to steal information.
EMV technology was slow to catch on in the United States due to the high cost of converting credit card readers like ATM’s and POS systems. With the increase in data breaches and the billions of dollars lost to fraudulent card activity, the United States will finally be switching to the more secure EMV credit card technology in 2015.
EMV cards can be either a chip-and-PIN card or a chip-and-signature card. Chip-and-PIN cards will work very similar to your bank’s debit card where a PIN is required to process a payment in real-time, along with a signature. Most payment terminals won’t be immediately equipped for PIN’s, so for now you can expect your EMV card to work much like it already does. Find out more about EMV credit cards like how to get a PIN-and-chip credit card, by visiting our blog.
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