Take one of these special-chip cards overseas

Chris Persaud

Credit Cards » Going Abroad: Who Offers EMV Credit Cards?

If you plan to visit another country, your credit card may not work in some stores, restaurants and highway tollbooths, among other places. That's because magnetic-strip cards have been replaced with EMV credit cards, named for developers Europay, MasterCard and Visa, in many countries.

EMV credit and debit cards, which contain a microchip to store and encode information more securely, are used in 80 countries in Europe, Latin America and Asia, according to the Smart Card Alliance, a New Jersey nonprofit that promotes smart card usage.

If you travel abroad often and would like to carry an EMV chip card, check out Bankrate.com's list of banks that offer EMV chip cards to U.S. consumers as of March 2012. If your bank, credit union or credit card company isn't on the list, it could be there in the future.

EMV cards available in the US

Major issuer EMV card name Card type PIN? Annual fee?
Andrews Federal Credit Union GlobeTrek Visa Rewards Card Rewards credit card Yes None
Bank of America Corporate One card Corporate card Yes N/A
Bank of America Corporate Travel card Corporate card Yes N/A
Bank of America Executive One card Corporate card Yes N/A
Chase British Airways Visa Signature credit card Travel rewards credit card No $95
Chase Hyatt Visa Signature Credit Card Travel rewards credit card No $75
Chase JPMorgan Select Visa Signature Card Rewards credit card No $95 after first year
Chase JPMorgan Palladium Visa Signature Card Luxury credit card No $595
Citi Corporate Chip and PIN card Corporate card Yes, when merchant can do it N/A
North Carolina State Employees' Credit Union SECU Visa Check debit card Debit card Yes, for debit purchases
No, for credit purchases
Silicon Valley Bank World Elite MasterCard for Business card Corporate card Yes, only for cash advances N/A
Travelex Cash Passport prepaid card Prepaid card Yes None, but other fees apply
United Nations Federal Credit Union Visa Elite credit card Rewards credit card Yes $50
U.S. Bank FlexPerks Travel Rewards Visa credit card Travel rewards credit card Yes $49 after first year
Wells Fargo Platinum credit card (EMV in pilot phase) Standard credit card Yes, when merchant can do it None
Note: PNC provides an EMV version of its corporate travel and purchasing cards. The bank did not provide details.

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