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EMV Chip Credit Cards
- Compare credit cards with chip technology from our partners
- Expert and Independent ratings & consumer reviews for the best cash back credit cards available
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See offers from our partners below.
- Rewards Rate Earn 1.5 points per $1 spent on purchases
- Bonus Miles 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/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
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
- Now with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% 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%. Click “Apply Now” to learn more about Preferred Rewards.
See additional details for BankAmericard Travel Rewards® Credit Card
- Intro APR 0% for 21 Months* on Purchases & Balance Transfers*
- Rates & Fees No Annual Fee, No Late Fees, & No Penalty Rate*
- Regular Purchase APR 13.24% - 23.24% (variable)
- Annual Fee $0*
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online or call 877-886-4537
- 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 13.24% - 23.24% 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
- Cashback Match™ We’ll match all the cash back you earn at the end of your first year.
- EARN 5% Cash Back in bonus categories and 1% cash back everywhere else.
- Redeem Any amount, any time. Cash back rewards never expire.
- Annual Fee $0
-
Credit Needed
Excellent/Good CreditExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
- Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 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.
- FICO® Credit Scores for free on statements 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™
- Rates and Fees No Annual Fee & Intro No Balance Transfer Fee*
- Intro APR 0% for 15 Months*
- Regular Purchase APR 13.24%-23.24% Variable
- Annual Fee $0
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online
- Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
- $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
- 0% Introductory APR for 15 months on purchases and balance transfers
- Monthly FICO® Score and Credit Dashboard for free
- No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
- $0 Annual Fee
See additional details for Chase Slate®
- Bonus Miles 40,000 miles with minimum spending requirement*
- 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/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
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 of approval, 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 don't expire 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
See additional details for Capital One® Venture® Rewards Credit Card
- 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/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online or call 888-343-4081
- 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 13.24% - 23.24% 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 - 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/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
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 14.24-23.24%. 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℠
- Rewards Rate 1.25 miles per dollar*
- Intro Purchase APR 0% on purchases for 12 months
- Regular Purchase APR 12.24% - 22.24% (Variable)
- Annual Fee $0
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
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 of approval, 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; 12.24%-22.24% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles don’t expire and there’s no limit to how many you can earn
See additional details for Capital One® VentureOne® Rewards Credit Card
- Intro Purchase APR 0% for 21 Months*
- Intro BT APR 0% for 21 Months*
- Regular Purchase APR 12.24% - 22.24%* (Variable)
- Annual Fee $0*
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online or call 877-836-4537
- Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24% - 22.24% 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
- Sign-up Bonus Earn $100 back after meeting spending requirements*
- Intro APR 0% for 12 Months on Purchases and Balance Transfers*
- Regular Purchase APR 13.24%-23.24% Variable*
- Annual Fee $0
-
Credit Needed
ExcellentExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online
- Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
- Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
- You will receive cash back in the form of statement credits.
- Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
- No rotating reward categories. No enrollment required.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
- Terms and Conditions apply.
- See Rates & Fees
See additional details for Blue Cash Everyday® Card from American Express
- Intro Purchase APR 0% for 12 billing cycles
- Intro BT APR 0% for qualifying transfers for 12 billing cycles
- Regular APR 13.24% -23.24% Variable APR on purchases and balance transfers
- Annual Fee $0
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online or call 800-716-6383
- No annual fee
- $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- No changing categories and no expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.
See additional details for BankAmericard Cash Rewards™ Credit Card
- Intro BT APR 0% for qualifying transfers for 18 billing cycles
- Balance Transfer Fee 3% fee or $10 applies to each transfer
- Regular APR 11.24% - 21.24% Variable APR on purchases and balance transfers
- Annual Fee $0
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online or call 800-483-4499
- 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
- Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
- No annual fee
- The perfect card for those seeking a simple yet convenient-to-use credit card
- $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
- If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
See additional details for BankAmericard® Credit Card
- Rewards Rate Unlimited 1.5% Cash Back*
- Bonus Cash $100 cash bonus after spending $500 in the first 3 months*
- Cash Back Details No minimums for redeeming and cash back never expires*
- Annual Fee $0
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online
- One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
- Earn unlimited 1.5% cash back on every purchase, every day
- Every 10th Uber ride is free up to $15 when you pay with your Quicksilver card through March 31, 2017
- No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
- 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
- Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% 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
- 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
ExcellentExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
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 a 'Best Credit Card' for Travel Rewards by MONEY Magazine
- 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*
- Introductory APR 0% for 9 months on purchases and balance transfers*
- Regular Purchase APR 23.24% (Variable)*
- Annual Fee $39
-
Credit Needed
Average/FairFair Credit
Credit cards for fair credit are intended for those with a credit score between 600 - 659.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online
- Earn unlimited 1.5% cash back on every purchase, every day
- Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
- No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
- 0% intro APR on purchases for 9 months; 23.24% variable APR after that
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is ever lost or stolen
See additional details for Capital One® QuicksilverOne® Cash Rewards Credit Card
- Limited Time Bonus Earn 50,000 Bonus Miles in First 90 Days*
- Rewards Rate Earn 2X Miles on all Purchases*
- Redeeming Miles Miles can cover purchases on any airline or hotel*
- Annual Fee $89 (waived the first year)
-
Credit Needed
Excellent/GoodExcellent Credit
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Get Your Free Score!
Highlights
- Click "APPLY NOW" to apply online
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
- Earn 2X miles on all purchases
- Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
- Get 5% miles back to use toward your next redemption, every time you redeem
- Miles don't expire as long as your account is open, active and in good standing
- No foreign transaction fees on anything you buy while in another country
- 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness.
- Please note, there is a fee for balance transfers.
See additional details for Barclaycard Arrival Plus™ World Elite MasterCard®
*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.
