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Best EMV Credit Cards for 2022: Which One Should You Get?

Best EMV Credit Cards for 2022: Which One Should You Get?

The Chase Sapphire Preferred® Card is our top pick for the best EMV (chip) credit card.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Top EMV credit cards of 2022

Chase Sapphire Preferred® Card

On Chase's Secure Website

Chase Freedom Unlimited®

On Chase's Secure Website

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

EMV credit cards are equipped with computer chips for enhanced security; the "EMV" stands for Europay, Mastercard and Visa. Though Europe came out with EMV credit cards in the '90s, it's taken a while for the U.S. to get onboard with chip cards, leaving us a bit outdated when it comes to using credit cards internationally.

That said, now there are a variety of EMV credit cards in the U.S. to choose from. So many, in fact, that it can be difficult to know which one is best for your needs. The following guide outlines our top picks for the best EMV credit cards available right now.

Best EMV credit card for travel

Chase Sapphire Preferred® Card

On Chase's Secure Website

$95

16.74% - 23.74% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Verdict: A great EMV card for frequent travelers

Consumers with large travel and dining expenses will love the Chase Sapphire Preferred® Card, which is an EMV card with $0 foreign transaction fees and is popular among frequent travelers. The Chase Sapphire Preferred® Card earns 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

It also comes with a hefty welcome bonus: Cardmembers can Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. It's also worth noting that Chase Ultimate Rewards® points are flexible and can be extremely valuable when transferred to Chase's hotel and airline partners.

Drawbacks: The only drawback for this card is that it charges a $95 annual fee. However, the rewards it offers can make the moderate fee well worth it.

  • Annual fee: $95
  • Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Earning rate: The Chase Sapphire Preferred® Card earns 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.
  • Flexible rewards through Chase Ultimate Rewards®
  • $0 foreign transaction fees
  • $50 annual Ultimate Rewards hotel credit
  • 10% anniversary points boost
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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Travel\",\"hideBenefitsBox\":false,\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4709.png\",\"isExpandable\":true,\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_best-emv-credit-cards\",\"name\":\"Chase Sapphire Preferred\\u003Csup\\u003E\\u00ae\\u003C\\\/sup\\u003E Card\",\"showBannerDespiteUnpaid\":false,\"showGenericArt\":false,\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: A great EMV card for frequent travelers\u003C\/h3\u003E\n\n\u003Cp\u003EConsumers with large travel and dining expenses will love the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card Review: Does It Live Up to The Hype?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-preferred\"\u003EChase Sapphire Preferred\u003Csup\u003E\u00ae\u003C\/sup\u003E Card\u003C\/a\u003E\u003C\/span\u003E, which is an EMV card with $0 foreign transaction fees and is popular among frequent travelers. The Chase Sapphire Preferred\u003Csup\u003E\u00ae\u003C\/sup\u003E Card earns 5x on travel purchased through Chase Ultimate Rewards\u00ae, 3x on dining and 2x on all other travel purchases.\u003C\/p\u003E\n\n\u003Cp\u003EIt also comes with a hefty \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"11 Best Credit Card Sign-Up Bonuses\" href=\"https:\/\/www.valuepenguin.com\/best-credit-card-sign-up-bonus\"\u003Ewelcome bonus\u003C\/a\u003E\u003C\/span\u003E: Cardmembers can Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards\u00ae. It's also worth noting that \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: Earning and Redeeming Chase Points\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E points are flexible and can be extremely valuable when transferred to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards Transfer Partners: Where Can You Move Your Points?\" href=\"https:\/\/www.valuepenguin.com\/travel\/chase-ultimate-rewards-transfer-partners\"\u003EChase's hotel and airline partners\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EDrawbacks:\u003C\/strong\u003E The only drawback for this card is that it charges a $95 annual fee. However, the rewards it offers can make the moderate fee well worth it.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHighlights\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $95\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ESign-up bonus:\u003C\/strong\u003E Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards\u00ae.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarning rate:\u003C\/strong\u003E The Chase Sapphire Preferred\u00ae Card earns 5x on travel purchased through Chase Ultimate Rewards\u00ae, 3x on dining and 2x on all other travel purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Flexible rewards through Chase Ultimate Rewards\u00ae\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $50 annual Ultimate Rewards hotel credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 10% anniversary points boost\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best EMV credit card for cash back

Chase Freedom Flex℠

On Chase's Secure Website

$0

15.74% - 24.49% Variable

660 - 850

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom FlexSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Verdict: An excellent choice for consumers looking for a top cash back EMV card

The Chase Freedom Flex℠ is a fantastic EMV credit card for earning cash back on your purchases. For a $0 annual fee, cardholders can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

This card boasts a rotating cashback calendar, meaning you'll earn higher amounts of cash back in different categories each quarter. The card also comes with a host of valuable consumer and travel protections to give you some peace of mind when using your card.

Drawbacks: You must remember to enroll in the rotating categories each quarter to earn the 5% cash back.

  • Annual fee: $0
  • Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
  • Earning rate: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • Low intro APR offer: 0% Intro APR on Purchases for 15 months from account opening and 0% Intro APR on Balance Transfers for 15 months. After the intro period, an APR of 15.74% - 24.49% Variable applies.
  • Rotating cash back categories
  • Excellent consumer and travel protections
  • Cash back rewards don't expire
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24.49% Variable\t\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E660 - 850\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"RootWrapper-sc-pllhks kygIZB\"\u003E\u003Cdiv class=\"RatingWrapper-sc-1sn0bij VGiQR\"\u003E\u003Cdiv class=\"StarRating-sc-8gcsy2 hccymf\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"label\":\"\",\"labelColor\":\"inherit\",\"rating\":90,\"stars\":5,\"tooltipContent\":\"\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\u003C\/li\u003E\u003Cli\u003E5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!\u003C\/li\u003E\u003Cli\u003E5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more\u003C\/li\u003E\u003Cli\u003E3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.\u003C\/li\u003E\u003Cli\u003ENo minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!\u003C\/li\u003E\u003Cli\u003E0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.\u003C\/li\u003E\u003Cli\u003ENo annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom FlexSM card\u003C\/li\u003E\u003Cli\u003EKeep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.74% - 24.49% Variable\\t\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"660 - 850\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003E5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!\\u003C\\\/li\\u003E\\u003Cli\\u003E5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more\\u003C\\\/li\\u003E\\u003Cli\\u003E3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom FlexSM card\\u003C\\\/li\\u003E\\u003Cli\\u003EKeep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"RootWrapper-sc-pllhks kygIZB\\\"\\u003E\\u003Cdiv class=\\\"RatingWrapper-sc-1sn0bij VGiQR\\\"\\u003E\\u003Cdiv class=\\\"StarRating-sc-8gcsy2 hccymf\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"label\\\":\\\"\\\",\\\"labelColor\\\":\\\"inherit\\\",\\\"rating\\\":90,\\\"stars\\\":5,\\\"tooltipContent\\\":\\\"\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Cash back\",\"hideBenefitsBox\":false,\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4572.jpg\",\"isExpandable\":true,\"link\":\"\\\/credit-cards\\\/redirect\\\/1311?url=_best-emv-credit-cards\",\"name\":\"Chase Freedom Flex\\u2120\",\"showBannerDespiteUnpaid\":false,\"showGenericArt\":false,\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: An excellent choice for consumers looking for a top cash back EMV card\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Freedom Flex: Why This New Card Is a No-Brainer\" href=\"https:\/\/www.valuepenguin.com\/chase-freedom-flex-card\"\u003EChase Freedom Flex℠\u003C\/a\u003E\u003C\/span\u003E is a fantastic EMV credit card for earning cash back on your purchases. For a $0 annual fee, cardholders can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards\u00ae, 3% on dining and drugstores, and 1% on all other purchases.\u003C\/p\u003E\n\n\u003Cp\u003EThis card boasts a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Cash Back Calendar of 2022\" href=\"https:\/\/www.valuepenguin.com\/credit-cards\/chase-cash-back-calendar\"\u003Erotating cashback calendar\u003C\/a\u003E\u003C\/span\u003E, meaning you'll earn higher amounts of cash back in different categories each quarter. The card also comes with a host of valuable consumer and travel protections to give you some peace of mind when using your card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EDrawbacks:\u003C\/strong\u003E You must remember to enroll in the rotating categories each quarter to earn the 5% cash back.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHighlights\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ESign-up bonus:\u003C\/strong\u003E Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarning rate:\u003C\/strong\u003E 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards\u00ae, 3% on dining and drugstores, and 1% on all other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELow intro APR offer:\u003C\/strong\u003E 0% Intro APR on Purchases for 15 months from account opening and 0% Intro APR on Balance Transfers for 15 months. After the intro period, an APR of 15.74% - 24.49% Variable\t applies.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rotating cash back categories\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Excellent consumer and travel protections\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cash back rewards don't expire\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best EMV credit card for luxury travel

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$695

See Pay Over Time APR

660 - 850

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.

Verdict: Among the best chip credit cards on the market for luxury travel benefits

With a sizable $695 annual fee, The Platinum Card® from American Express comes with all the bells and whistles that warrant such a high price, including EMV chip technology. The credits offered by this card are enough to more than completely offset the high annual fee, and that's just the beginning.

Cardholders can earn Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Plus, earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

Drawbacks: The annual fee is through the roof and the credits can be difficult to use, though they can easily cover the annual fee if you take advantage of them.

For rates and fees of The Platinum Card® from American Express, please click here

  • Annual fee: $695
  • Welcome offer: Earn Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Earning rate: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
  • Lounge access: Access to The Global Lounge Collection, including Amex Centurion lounges
  • Credits: Up to $200 hotel credit (enrollment required), up to $240 digital entertainment credit (enrollment required), up to $155 Walmart+ credit (enrollment required), up to $200 airline fee credit (enrollment required),up to $100 Shop with Saks Platinum credit (enrollment required), up to $189 CLEAR credit (enrollment required), up to $300 Equinox credit (enrollment required)
  • Uber cash: Up to $200 Uber Cash ($15 monthly and $20 in December) toward U.S. Uber rides and Eats when you add the card to the Uber app
  • Hotel status: Hilton Honors Gold status (enrollment required) and Marriott Bonvoy Gold status (enrollment required)
  • Terms apply
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Platinum\"\u003EThe Platinum Card\u003Csup\u003E\u00ae\u003C\/sup\u003E from American Express\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003ELuxury travel\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner \"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-center AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/54?url=_best-emv-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"The Platinum Card<sup>\u00ae<\/sup> from American Express\"\u003E\u003Cimg alt=\"The Platinum Card<sup>\u00ae<\/sup> from American Express\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_best-emv-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003E\u003Ca class=\"\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/26129-10-0#offer-terms\" rel=\"nofollow\" title=\"Rates And Fees\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply. \u003C\/span\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003EOn American Express' Secure Website \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$695\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003ESee Pay Over Time APR\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E660 - 850\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"RootWrapper-sc-pllhks kygIZB\"\u003E\u003Cdiv class=\"RatingWrapper-sc-1sn0bij VGiQR\"\u003E\u003Cdiv class=\"StarRating-sc-8gcsy2 hccymf\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"label\":\"\",\"labelColor\":\"inherit\",\"rating\":80,\"stars\":5,\"tooltipContent\":\"\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.\u003C\/li\u003E\u003Cli\u003EGet $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.\u003C\/li\u003E\u003Cli\u003E$240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.\u003C\/li\u003E\u003Cli\u003EAmerican Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.\u003C\/li\u003E\u003Cli\u003E$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.\u003C\/li\u003E\u003Cli\u003E$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.\u003C\/li\u003E\u003Cli\u003E$300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.\u003C\/li\u003E\u003Cli\u003E$695 annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$695\",\"apr\":\"See Pay Over Time APR\",\"bannerDisclaimers\":[\"\\u003Ca class=\\\"\\\" href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-card\\\/26129-10-0#offer-terms\\\" rel=\\\"nofollow\\\" title=\\\"Rates And Fees\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"660 - 850\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.\\u003C\\\/li\\u003E\\u003Cli\\u003E$240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.\\u003C\\\/li\\u003E\\u003Cli\\u003E$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.\\u003C\\\/li\\u003E\\u003Cli\\u003EAmerican Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.\\u003C\\\/li\\u003E\\u003Cli\\u003E$300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.\\u003C\\\/li\\u003E\\u003Cli\\u003E$189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.\\u003C\\\/li\\u003E\\u003Cli\\u003E$695 annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"RootWrapper-sc-pllhks kygIZB\\\"\\u003E\\u003Cdiv class=\\\"RatingWrapper-sc-1sn0bij VGiQR\\\"\\u003E\\u003Cdiv class=\\\"StarRating-sc-8gcsy2 hccymf\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"label\\\":\\\"\\\",\\\"labelColor\\\":\\\"inherit\\\",\\\"rating\\\":80,\\\"stars\\\":5,\\\"tooltipContent\\\":\\\"\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Luxury travel\",\"hideBenefitsBox\":false,\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4577.png\",\"isExpandable\":true,\"link\":\"\\\/credit-cards\\\/redirect\\\/54?url=_best-emv-credit-cards\",\"name\":\"The Platinum Card\\u003Csup\\u003E\\u00ae\\u003C\\\/sup\\u003E from American Express\",\"showBannerDespiteUnpaid\":false,\"showGenericArt\":false,\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Welcome Offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeIcon--root ShortcodeIcon--margin-bottom\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n \u003Cp class=\"ShortcodeIcon--content\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Amex Transfer Partners: How to Get the Most out of Membership Rewards Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/amex-transfer-partners\"\u003E Earns transferable points\u003C\/a\u003E\u003C\/span\u003E\u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: Among the best chip credit cards on the market for luxury travel benefits\u003C\/h3\u003E\n\n\u003Cp\u003EWith a sizable $695 annual fee, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express Review: Luxury Travel Benefits\" href=\"https:\/\/www.valuepenguin.com\/american-express-platinum-card\"\u003EThe Platinum Card\u003Csup\u003E\u00ae\u003C\/sup\u003E from American Express\u003C\/a\u003E\u003C\/span\u003E comes with all the bells and whistles that warrant such a high price, including EMV chip technology. The credits offered by this card are enough to more than completely offset the high annual fee, and that's just the beginning.\u003C\/p\u003E\n\n\u003Cp\u003ECardholders can earn Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Plus, earn 5X Membership Rewards\u00ae points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards\u00ae points on prepaid hotels booked with American Express Travel. Terms apply. \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EDrawbacks:\u003C\/strong\u003E The annual fee is through the roof and the credits can be difficult to use, though they can easily cover the annual fee if you take advantage of them.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of The Platinum Card\u003Csup\u003E\u00ae\u003C\/sup\u003E from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/26129-10-0#offer-terms\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHighlights\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $695\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EWelcome offer:\u003C\/strong\u003E Earn Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarning rate:\u003C\/strong\u003E 5X Membership Rewards\u00ae points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards\u00ae points on prepaid hotels booked with American Express Travel. Terms apply.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELounge access:\u003C\/strong\u003E Access to The Global Lounge Collection, including \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Amex Centurion lounges\" href=\"https:\/\/www.valuepenguin.com\/travel\/list-amex-centurion-lounges\"\u003EAmex Centurion lounges\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECredits:\u003C\/strong\u003E Up to $200 hotel credit (enrollment required), up to $240 digital entertainment credit (enrollment required), up to $155 Walmart+ credit (enrollment required), up to $200 airline fee credit (enrollment required),up to $100 Shop with Saks Platinum credit (enrollment required), up to $189 CLEAR credit (enrollment required), up to $300 Equinox credit (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EUber cash:\u003C\/strong\u003E Up to $200 Uber Cash ($15 monthly and $20 in December) toward U.S. Uber rides and Eats when you add the card to the Uber app\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EHotel status:\u003C\/strong\u003E \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton honors status\" href=\"https:\/\/www.valuepenguin.com\/travel\/hilton-honors-elite-status\"\u003EHilton Honors Gold status\u003C\/a\u003E\u003C\/span\u003E (enrollment required) and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Marriott elite status\" href=\"https:\/\/www.valuepenguin.com\/travel\/marriott-bonvoy-elite-status\"\u003EMarriott Bonvoy Gold status\u003C\/a\u003E\u003C\/span\u003E (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best EMV credit card for hotel points

World of Hyatt Credit Card

On Chase's Secure Website

$95

16.74% - 23.74% Variable

660 - 850

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Verdict: A great choice for Hyatt fans looking for a secure chip credit card

The World of Hyatt Credit Card can be an incredibly lucrative option for consumers who regularly stay with Hyatt. Because there are Hyatt properties all over the world, the fact that this is a chip-enabled credit card can certainly come in handy.

Cardholders can Earn up to 60,000 Bonus Points - Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. You'll also get complimentary World of Hyatt Discoverist status, an annual free night and more.

Drawbacks: The benefits aren't as useful if you aren't a frequent guest of Hyatt.

  • Annual fee: $95
  • Sign-up bonus: Earn up to 60,000 Bonus Points - Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Earning rate: Earn up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member. As a cardmember, you'll also earn 2 points per $1 spent on dining out, flights booked with airlines, gym memberships and transit and commuting.
  • Elite status: Get complimentary World of Hyatt Discoverist status, plus receive five qualifying night credits towards your next tier status every year. Earn two additional qualifying night credits towards your next tier status every time you spend $5,000 on your card.
  • Free night: Get an annual free night on your card anniversary
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23.74% Variable\t\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E660 - 850\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"RootWrapper-sc-pllhks kygIZB\"\u003E\u003Cdiv class=\"RatingWrapper-sc-1sn0bij VGiQR\"\u003E\u003Cdiv class=\"StarRating-sc-8gcsy2 hccymf\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"label\":\"\",\"labelColor\":\"inherit\",\"rating\":80,\"stars\":5,\"tooltipContent\":\"\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent\u003C\/li\u003E\u003Cli\u003EEnjoy complimentary World of Hyatt Discoverist status for as long as your account is open.\u003C\/li\u003E\u003Cli\u003EGet 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort\u003C\/li\u003E\u003Cli\u003EReceive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open\u003C\/li\u003E\u003Cli\u003EEarn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year\u003C\/li\u003E\u003Cli\u003EEarn 2 qualifying night credits towards tier status every time you spend $5,000 on your card\u003C\/li\u003E\u003Cli\u003EEarn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member\u003C\/li\u003E\u003Cli\u003EEarn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"16.74% - 23.74% Variable\\t\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"660 - 850\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy complimentary World of Hyatt Discoverist status for as long as your account is open.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2 qualifying night credits towards tier status every time you spend $5,000 on your card\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"RootWrapper-sc-pllhks kygIZB\\\"\\u003E\\u003Cdiv class=\\\"RatingWrapper-sc-1sn0bij VGiQR\\\"\\u003E\\u003Cdiv class=\\\"StarRating-sc-8gcsy2 hccymf\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"label\\\":\\\"\\\",\\\"labelColor\\\":\\\"inherit\\\",\\\"rating\\\":80,\\\"stars\\\":5,\\\"tooltipContent\\\":\\\"\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Hotel points\",\"hideBenefitsBox\":false,\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4754.png\",\"isExpandable\":true,\"link\":\"\\\/credit-cards\\\/redirect\\\/440?url=_best-emv-credit-cards\",\"name\":\"World of Hyatt Credit Card\",\"showBannerDespiteUnpaid\":false,\"showGenericArt\":false,\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: A great choice for Hyatt fans looking for a secure chip credit card\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The World of Hyatt Credit Card Review: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/travel\/world-of-hyatt-credit-card-review\"\u003EWorld of Hyatt Credit Card\u003C\/a\u003E\u003C\/span\u003E can be an incredibly lucrative option for consumers who regularly stay with Hyatt. Because there are Hyatt properties all over the world, the fact that this is a chip-enabled credit card can certainly come in handy.\u003C\/p\u003E\n\n\u003Cp\u003ECardholders can Earn up to 60,000 Bonus Points - Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. You'll also get complimentary World of \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What Is Hyatt Elite Status Worth in 2022?\" href=\"https:\/\/www.valuepenguin.com\/travel\/world-of-hyatt-elite-status\"\u003EHyatt Discoverist status\u003C\/a\u003E\u003C\/span\u003E, an annual free night and more.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EDrawbacks:\u003C\/strong\u003E The benefits aren't as useful if you aren't a frequent guest of Hyatt.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHighlights\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $95\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ESign-up bonus:\u003C\/strong\u003E Earn up to 60,000 Bonus Points - Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarning rate:\u003C\/strong\u003E Earn up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member. As a cardmember, you'll also earn 2 points per $1 spent on dining out, flights booked with airlines, gym memberships and transit and commuting.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EElite status:\u003C\/strong\u003E Get complimentary World of Hyatt Discoverist status, plus receive five qualifying night credits towards your next tier status every year. Earn two additional qualifying night credits towards your next tier status every time you spend $5,000 on your card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFree night:\u003C\/strong\u003E Get an annual free night on your card anniversary\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best EMV credit card for bad credit

Capital One Platinum Secured Credit Card

Generic art
Not available on ValuePenguin

$0

26.99% (Variable)

0 - 300

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

Verdict: A nice choice for consumers who want to rebuild their credit securely

The Capital One Platinum Secured Credit Card is one of our top recommendations for credit cards for bad credit, and is equipped with EMV technology. This secured credit card comes with a $0 annual fee but requires a minimum refundable deposit of $49, $99 or $200, which will grant you a $200 credit limit.

You may deposit more than your minimum required security deposit to receive a higher initial credit line, up to a maximum of $1,000. With responsible use, you can get your deposit returned to you and graduate to an unsecured Platinum card.

Drawbacks: You have to pay a deposit up front (but it may be worth it to avoid the high fees that usually come with credit cards geared toward consumers with low credit scores).

  • Annual fee: $0
  • Sign-up bonus: No bonus
  • Earning rate: Non-rewards Card
  • Deposit: $49, $99 or $200 minimum refundable deposit
  • No foreign transaction fees
  • Automatic credit line reviews
  • Flexible due dates
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003ETravel\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Ch3 class=\"BenefitsBox--title\"\u003ECapital One Platinum Secured Credit Card\u003C\/h3\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner BenefitsBox--generic-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-center AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Cimg alt=\"Generic art\" class=\"Image--root lazyload\" data-src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/static\/generic-card\" data-srcset=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/static\/generic-card 1x, \/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/static\/generic-card 2x\" src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/e_blur:1000,q_1,f_auto\/static\/generic-card\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--unavailable\"\u003ENot available on ValuePenguin\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E26.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E0 - 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See if you're approved in seconds\u003C\/li\u003E\u003Cli\u003EBuilding your credit? Using the Capital One Platinum Secured card responsibly could help\u003C\/li\u003E\u003Cli\u003EPut down a refundable security deposit starting at $49 to get a $200 initial credit line\u003C\/li\u003E\u003Cli\u003EYou could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time\u003C\/li\u003E\u003Cli\u003EBe automatically considered for a higher credit line in as little as 6 months with no additional deposit needed\u003C\/li\u003E\u003Cli\u003EEnjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges\u003C\/li\u003E\u003Cli\u003EMonitor your credit score with CreditWise from Capital One. It's free for everyone\u003C\/li\u003E\u003Cli\u003EGet access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"26.99% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"0 - 300\",\"creditNeededTooltip\":\"There are various types of credit scores. 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It's free for everyone\\u003C\\\/li\\u003E\\u003Cli\\u003EGet access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"RootWrapper-sc-pllhks kygIZB\\\"\\u003E\\u003Cdiv class=\\\"RatingWrapper-sc-1sn0bij VGiQR\\\"\\u003E\\u003Cdiv class=\\\"StarRating-sc-8gcsy2 hccymf\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"label\\\":\\\"\\\",\\\"labelColor\\\":\\\"inherit\\\",\\\"rating\\\":80,\\\"stars\\\":5,\\\"tooltipContent\\\":\\\"\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Travel\",\"hideBenefitsBox\":false,\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4742.jpg\",\"isExpandable\":true,\"link\":\"\\\/credit-cards\\\/redirect\\\/98?url=_best-emv-credit-cards\",\"name\":\"Capital One Platinum Secured Credit Card\",\"showBannerDespiteUnpaid\":false,\"showGenericArt\":true,\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: A nice choice for consumers who want to rebuild their credit securely\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Platinum Secured Credit Card Review: A Good Card for Building Credit\" href=\"https:\/\/www.valuepenguin.com\/capital-one-platinum-secured-credit-card\"\u003ECapital One Platinum Secured Credit Card\u003C\/a\u003E\u003C\/span\u003E is one of our top recommendations for credit cards for bad credit, and is equipped with EMV technology. This secured credit card comes with a $0 annual fee but requires a minimum refundable deposit of $49, $99 or $200, which will grant you a $200 credit limit.\u003C\/p\u003E\n\n\u003Cp\u003EYou may deposit more than your minimum required security deposit to receive a higher initial credit line, up to a maximum of $1,000. With responsible use, you can get your deposit returned to you and graduate to an unsecured Platinum card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EDrawbacks:\u003C\/strong\u003E You have to pay a deposit up front (but it may be worth it to avoid the high fees that usually come with credit cards geared toward consumers with low credit scores).\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHighlights\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ESign-up bonus:\u003C\/strong\u003E No bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarning rate:\u003C\/strong\u003E Non-rewards Card\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EDeposit:\u003C\/strong\u003E $49, $99 or $200 minimum refundable deposit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Automatic credit line reviews\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Flexible due dates\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best EMV credit card for no annual fee

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

$0

15.49% - 25.49% (Variable)

660 - 850

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Verdict: A high flat rate of cash back on a chip-secured card

The Citi® Double Cash Card – 18 month BT offer is one of our top recommendations when it comes to fixed-rate cash back credit cards. The card has fantastic earning potential on all purchases, across all categories. The Citi® Double Cash Card – 18 month BT offer lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Note that the Citi® Double Cash Card – 18 month BT offer has a 3% foreign transaction fee, which can be limiting. We recommend using this card primarily for domestic spending.

Drawbacks: It doesn't offer a sign-up bonus.

  • Annual fee: $0
  • Sign-up bonus: No bonus
  • Earning rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% intro APR on balance transfers: Intro APR of 0% for 18 months on Balance Transfers. After that, the APR will be 15.49% - 25.49% (Variable).
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25.49% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E660 - 850\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"RootWrapper-sc-pllhks kygIZB\"\u003E\u003Cdiv class=\"RatingWrapper-sc-1sn0bij VGiQR\"\u003E\u003Cdiv class=\"StarRating-sc-8gcsy2 hccymf\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"label\":\"\",\"labelColor\":\"inherit\",\"rating\":100,\"stars\":5,\"tooltipContent\":\"\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/li\u003E\u003Cli\u003ETo earn cash back, pay at least the minimum due on time.\u003C\/li\u003E\u003Cli\u003EBalance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.\u003C\/li\u003E\u003Cli\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\u003C\/li\u003E\u003Cli\u003EThere is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.49% - 25.49% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"660 - 850\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ETo earn cash back, pay at least the minimum due on time.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"RootWrapper-sc-pllhks kygIZB\\\"\\u003E\\u003Cdiv class=\\\"RatingWrapper-sc-1sn0bij VGiQR\\\"\\u003E\\u003Cdiv class=\\\"StarRating-sc-8gcsy2 hccymf\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"label\\\":\\\"\\\",\\\"labelColor\\\":\\\"inherit\\\",\\\"rating\\\":100,\\\"stars\\\":5,\\\"tooltipContent\\\":\\\"\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"No annual fee\",\"hideBenefitsBox\":false,\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4855.png\",\"isExpandable\":true,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-emv-credit-cards\",\"name\":\"Citi\\u003Csup\\u003E\\u00ae\\u003C\\\/sup\\u003E Double Cash Card \\u2013 18 month BT offer\",\"showBannerDespiteUnpaid\":false,\"showGenericArt\":false,\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: A high flat rate of cash back on a chip-secured card\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u003Csup\u003E\u00ae\u003C\/sup\u003E Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E is one of our top recommendations when it comes to fixed-rate cash back credit cards. The card has fantastic earning potential on all purchases, across all categories. The Citi\u003Csup\u003E\u00ae\u003C\/sup\u003E Double Cash Card \u2013 18 month BT offer lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/p\u003E\n\n\u003Cp\u003ENote that the Citi\u003Csup\u003E\u00ae\u003C\/sup\u003E Double Cash Card \u2013 18 month BT offer has a 3% \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Foreign Transaction Fee: What is it? How does it work?\" href=\"https:\/\/www.valuepenguin.com\/credit-card-foreign-transaction-fees\"\u003Eforeign transaction fee\u003C\/a\u003E\u003C\/span\u003E, which can be limiting. We recommend using this card primarily for domestic spending.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EDrawbacks:\u003C\/strong\u003E It doesn't offer a sign-up bonus.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHighlights\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ESign-up bonus:\u003C\/strong\u003E No bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarning rate:\u003C\/strong\u003E Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E0% intro APR on balance transfers:\u003C\/strong\u003E Intro APR of 0% for 18 months on Balance Transfers. After that, the APR will be 15.49% - 25.49% (Variable).\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Compare best EMV credit cards

EMV credit card
Welcome offer
Credit needed
Annual fee
Chase Sapphire Preferred® Card
Chase Sapphire Preferred<sup>®</sup> Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.750$95
Apply Now
On Chase's Secure Website
Chase Freedom Unlimited®
Chase Freedom Unlimited<sup>®</sup>
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.680$0
Apply Now
On Chase's Secure Website
The Platinum Card® from American Express
The Platinum Card<sup>®</sup> from American Express
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.720$695
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
World of Hyatt Credit Card
World of Hyatt Credit Card
Earn up to 60,000 Bonus Points - Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.640$95
Apply Now
On Chase's Secure Website
Capital One Platinum Secured Credit Card
unavailable credit card
No bonusNot available$0Read Review
Citi® Double Cash Card – 18 month BT offer
Citi<sup>®</sup> Double Cash Card – 18 month BT offer
No bonus660$0
Apply Now
On Citibank's Secure Website

Regular credit cards vs. EMV credit cards

The difference between traditional credit cards and EMV cards is that with traditional cards you swipe the metallic strip on the back of the card to make a payment, but with EMV cards you dip your card (insert it) directly into the machine.

Chip and PIN cards sometimes require you to input your personal PIN for maximized security after inserting your card. These differ from chip and signature cards, which require you to insert your card and sign your signature. These tend to be more common in the United States, while chip and PIN cards are more common in Europe. If you regularly travel internationally, it's a good idea to have an EMV card to ensure you won't have trouble making payments abroad.

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Benefits of EMV credit cards

There are several benefits of using chip credit cards, most of them to do with ease and safety.

  • More secure than traditional swipe cards
  • Widely accepted internationally
  • Most up-to-date credit card technology
  • Offers both chip and PIN and chip and signature options
  • Reduces the risk of fraud

Should you get an EMV credit card?

As EMV credit cards are increasingly becoming the global standard, it can definitely be a good idea to get a chip credit card. Your payments will be more secure and you'll be able to use your credit card at more locations globally.

EMV credit card FAQs

Why are EMV cards more secure than traditional cards?

EMV cards are more secure than traditional credit cards because the magnetic strips on regular cards are easier to counterfeit and are more prone to fraud. EMV cards, on the other hand, use computer chip technology to encrypt your sensitive data each time it's accessed, making it more secure.

Is card dipping the only option?

No, card dipping is not the only option for EMV credit cards. Some chip cards are equipped with a contactless payment option, which allows you to simply tap your card anywhere you see the contactless payment symbol on a checkout terminal.

If I want to use my chip card at a retailer that doesn’t support EMV technology yet, will it work?

Yes, though most merchants now support EMV technology so you should typically not have a problem. EMV cards come with both a magnetic strip and a chip, so if you're not able to dip or tap your card, you can still swipe it.

Will I be able to use my EMV card when I travel outside the country?

Yes, you will be able to use your EMV card when you travel outside the country as many other countries, particularly in Europe, have adopted this form of payment much sooner than we have in the U.S.

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Recap: Best EMV credit cards of 2022

Methodology

To make choosing the best EMV credit card easier, we've analyzed hundreds of EMV credit cards across our ValuePenguin database and major issuers' sites to compile a list of the best cards available. Our selections are based on things like top cash back rates, best travel benefits, best welcome offers and rewards rates, annual fee, ease of use internationally and other factors. Our recommendations are not influenced by our advertisers.

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The information related to Capital One Platinum Secured Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).