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Old Jan 15, 16, 6:38 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: USA EMV cards: Availability, Q&A (Chip & PIN -or- Chip & Signature) [2012-2015]
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
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Wiki Link
Posts from 1/1/16 onward can be found here: http://www.flyertalk.com/forum/credi...signature.html

EMV wikipost volunteers: kebosabi

What is EMV?
EMV is a defacto global standard of technology where there is a visible microchip on the front of the card. It looks like this:

Who issues them?
See Google Docs spreadsheet in Post #1

SFOAMS also has created a list of excellent webpage that shows US EMV cards in a more interactive interface

Another site, which lets you narrow the search for an EMV card by various parameters, is http://www.spotterswiki.com/emv/index.php.

Several credit unions issue some form of Chip-and-PIN credit cards or prepaid cards. Prepaid EMV cards however are not recommended due to junk fees. USAA (currently restricted to members of military) used to offer Chip-and-PIN cards, but as late has backtracked to Chip-and-Signature priority.

Hey that's a cool Google Docs list! I know others that aren't on that list. How can I help by adding them to the list?
My bad for not putting this into the wiki sooner. Right now, the Google Docs is locked out of editing and only in "read-only" view because there were instances in the past where people would just delete the rows not thinking that it affects others viewing the list.

If you promise not to delete any rows and input all the pertinent info (annual fee, rewards, FTF, etc.), I can provide you with edit access. Just shoot me a PM to kebosabi with your gmail address and I'll provide you edit access.

Thanks for helping out!


As of October 2014, no USA-based card issuer offers Chip-and-PIN priority cards except for BMO Harris (Diners Club) and UN Federal Credit Union. Other major USA-based banks such as BofA, Chase, Citi, as well as others issue Chip-and-Signature cards which may work at many automated kiosks. However, bear in mind the word may is used above is a context where there is no absolute certainty of success for certain environments such as automated kiosks due to different natures of offline and online transactions. It is highly recommended to read Post #3 which lists real life FTer examples on how Chip-and-Signature worked and did not work at various transaction environments.

Can I upgrade it right now?
If it's listed on that Google Docs spreadsheet or SFOAMS' Silk page, wouldn't hurt to call/twitter them for a free upgrade. If you get the response you don't like, hang up, try again.

What is the difference between Chip-and-Signature and Chip-and-PIN?
You insert the chipped card into the slot. The physical contact terminal will read the EMV chip and the terminal will automatically read the preferred cardholder verification methods (called CVM) for that card.

Chip-and-Signature means that the terminal will printout a receipt for you to sign. This is the most prevalent authentication for most US issued EMV cards. Chip-and-Signature helps in a way that it will get through to face-to-face merchant transactions where you and the merchant do not speak the same language.

Chip-and-PIN means that the terminal will prompt you to input a PIN for authentication. Some credit union issued credit cards will have this CVM as secondary if Chip-and-Signature cannot be done. Chip-and-PIN is the more prevalent method of authentication used outside the US, especially in transaction environments where no human interaction is needed (i.e. automated gas pumps, toll roads, train kiosks, etc.).

The Google Docs spreadsheet will list which CVM are used in the EMV cards listed. Some cards can only do Chip-and-Signature. Other cards can do both Chip-and-Signature and Chip-and-PIN. And others might have a third option called No CVM (no authentication needed) which is reserved for low value transactions.

One chip can hold a lot more data, therefore it is capable of doing multiple verification methods. That's one of the great things about EMV over the mag-stripe which can hold very little data.

I want to know for sure what my EMV chip does. Is there anyway I can test out my own EMV card to see what the CVM list is?
alexmt has written up a nice step-by-step procedure on Post #3615.

If most of the EMV cards in the US is the Chip-and-Signature type, doesn't that mean it's still useless abroad?
Depends if you see it as glass half empty or glass half full. See Post #3 for further details on how Chip-and-Signature has worked both successfully and unsuccessfully depending on the merchant transaction environment and use your best judgment whether which one is right for you.

Are there any places in the US that are accepting transactions via the EMV chip?
tmiw has created a dedicated Google maps webpage to show where EMV has been proven to work here: http://emvacceptedhere.com/ Per his Post #4240, feel free to add any places with active EMV terminals if you come across one.

As of 2014/05, the EMV terminals in most Walmarts and Sam's Clubs are being turned on. Hence, the best place to try them out would be your local Walmart or Sam's Club. For other merchants, it's slowly being phased in.

I hope people will post them in the Post your receipt of your 1st EMV based transaction in the US thread. cvarming has shown us an EMV transaction receipt from Brooklyn, NY in Post #2380. I myself had my first EMV based (Chip-and-Signature) transaction in two stores in the Los Angeles area, as shown in detail in Post #2705 (courtesy of WhatWhatTech for pointing these two stores out)

I don't want a chip in my card. I heard horror stories all over the media saying hackers can steal my credit card info from a mile away.
There are two types of chips. One is contactless and the other is contact. Cards can be either one or the other, or both.

In the Google Docs spreadsheet, the cards that are capable of contactless payments are listed seperately under the "RFID or NFC contactless chip" column. If it says yes, then that means it has the ability to do contactless payments. If it says no, it doesn't have that feature.

The one that the media has overhyped about hackers "stealing your information wirelessly" was the contactless type like this:

You are worried about this happening, right?

You don't have to worry. EMV is a chip standard that can have both contact and contactless interfaces. With the traditional contact interface, this means you actually have to physically insert the chip into a POS terminal for it to be authorized, like this:

With the contact interface, nothing is wireless. No data is sent out in a stand-alone contact type EMV chip. With the EMV contactless interface, data is sent wirelessly.

Furthermore, contactless chip cards are required to show a symbol (looks like Wi-Fi symbol) somewhere on the card that to denote it's capability as a contactless card. For example, here's an example of a Discover Card with contactless capability (in which Discover calls "Discover ZIP") showing the contactless symbol on the back of the card:

Don't believe everything that the media says. Besides, millions of people all over the world from London to Singapore, uses contactless payments daily in extremely crowded subways and mass transit with nary any problems. There are multiple layers of encrypted securities and keys that are needed to break the code.

Frankly, giving your physical card to a waiter/waitress who takes the card out of your view is much more susceptible to fraud than contactless payments.

Why should I care?
If you are an international traveler, you will want this because majority of the world has or in the process of converting to this payment format.


In fact, in 2012, even North Korea moved to the EMV format, leaving the US as one of the countries in the world that hasn't done so.

In addition, VISA, MC, AMEX, and Discover have all agreed to incentivize the USA shifting to EMV payments by 2015 by shifting liability for fraudulent transactions to merchants if they do not have EMV equipment and the cardholder has an EMV card. So if you travel internationally or would like to get one before the others, you might be interested in getting one.


BS! I had no problems using my card in [insert whereever country], [insert whatever point in time]
If you stick to the tourist path where they have lots of visitors from the US, you should have no problems using your mag-stripe only card in hotels and restaurants, at least for now. But as things can change as things go forward.

However, consider that once you start taking the off-beaten path, go to non-touristy places where they are not familiar with mag-stripes, rent a car and use toll roads, fill up gas, or try to buy train tickets you might end up into a trouble of the machine not recognizing your card because it lacks the chip. Furthermore, a lot of toll roads, gas pumps, and automated ticket machines lack any human assistance to help you when you need it the most.

But [insert credit card company] told me all merchants that display their logo must accept them! All I have to do is report them for violating their agreements, right?
There are several factors against this.

1. You can only speak English. The merchant representative, most likely a part-time clerk earning minimum wage, speaks in a different language, let's say French. If you have no French language skills, how are you going to get your point across? Are you going to whip out your cell phone at exorbitant int'l roaming charges and hope the customer service is going to translate it for you on the spot? Or maybe you might actually know French. But how about Swahili, Farsi, Balinese, or the multiple languages in mainland China?

2. Just like US, the rest of the world's businesses uses part-time minimum wage workers as cashiers to cut down on labor costs. Most of their SOP training manuals are written by MBA types to not to do anything they are not familiar with. Do not expect them to understand the intricate details of credit card mumbo jumbo. You don't expect Taco Bell employees to understand the minute details of Discover-JCB-Union Pay agreements, right? Same thing the other way around: be respectful as a guest in their country, prepare in advance in their ways, avoid being an "ugly American" stereotype.

3. You are a guest in their country. You are a minority. If 99.9% of their country's people and other tourists from around the world uses EMV, do you really think they are going to accomodate the 0.1% of American tourists who only have mag-stripes credit cards?

4. Again, you are a guest in their country. How would you, as an American standing in line, react if a Chinese tourist was clogging up the lines at a local Taco Bell because the clerk doesn't understand the Discover-Union Pay agreement and has trouble communicating between Mandarin spoken by the tourist and English spoken by the Taco Bell clerk? Same way the other way around. You do not want to clog up the lines for everyone. The less hassle, the better.

5. VISA and MC make tons of money from merchants in that country. Say SNCF French Rail. It's a billion dollar company in France. Do you think VISA is going to pull the plug of their relationship with SNCF because SNCF refuses to do mag-stripe processing at their unmanned train station kiosk? Of course not. Be realistic.

6. And lastly, if you're up against an unstaffed toll kiosk, gas pump or train ticket machine, are you going to yell curses at the machine?

But I want my credit card to be able to be used in the US too!
No worries. They have not gotten rid of the mag-stripe on the back of the card for backward compatibility reasons, just like we still have embossed numbers on our cards for backwards compatibility to using those old carbon copy imprinters.

[insert own Hyatt card image front and back together with red arrows pointing to all the backward compatibility features]

You use the chip on the front of the card abroad (for now), and the mag-stripe just like any other card for the US. Basically, you're increasing your credit card's acceptance rate by getting a card that both via the chip and the mag-stripe. You're getting a better deal for free.

And when 2015 comes along and US switches to EMV, you'll be way ahead of everyone else too!


So why did the rest of the world and the US moved/moving toward EMV?
Primarily, due to fraud concerns. You see, the mag-stripe has been with us since the 1950s. It may have been the most high tech thing back in the day, but with the technology that is available today, any shmo can pick up a $100 USB magnetic card skimming device off of eBay and get your credit card info.

And unlike skimming off contactless cards which actually need the person to have l33t programming skills, skimming off a magnetic stripe has become so ubiquitous that nary a day goes about skimming fraud going on somewhere in America, from gas pumps, Michael's stores (2011), Target breaches (2013), restaurant waiters/waitresses, to even McDonald's drive thrus.

https://www.google.com/search?q=skimming+fraud

These type of fraud used to be prevalent in Europe. But once they started switching over to EMV starting over 2 decades ago, this type of fraud went elsewhere. It went over to Asia, Canada and Mexico, Latin America, etc. etc. until they too began implementing EMV to combat skimming fraud. The US is practically the only country left that hasn't done so, therefore all the fraud that used to take place elsewhere is now happening here.


But EMV is old and it's not fool proof. Shouldn't we just skip over it and do something new instead?
Yes, EMV is old. It was developed in the 1990s and its smart card payment predecessor was first introduced in France. But as of today, it has become the defacto global standard of payments.

But then, what else is there? There is no other de facto global standard of payments alternative. For example, if we decide to skip over it and do something new, hypothetically like DNA matching technology, it still means US int'l travelers will continue to have problems abroad with useless plastic acceptance because no other country is using this DNA matching technology except the US.

Besides, nothing is fool proof. You can say that the bank vault isn't fool proof because you can crack it open if enough C4 is used. But your average low-life scumbag isn't likely to get military grade C4 easily either. But the bank vault does make it harder to get the bank's money over say a petty cash box. That's the point here. EMV is akin to a security tight bank vault, the old mag-stripe is akin to a petty cash box lying around inside the drawer.


I'm a business owner and I don't think EMV is going to take off. I'm not going to spend extra hundreds of dollars to upgrade my credit card machine. Convince me other wise why I should.
I can understand the added extra cost to your business once this switchover takes place. But before even saying that, look at your existing POS terminal. Does it have a slot somewhere to insert a card?

Most likely, if you had replaced your POS terminal within the past five years, you already have an EMV capable terminal. EMV is basically just not turned on yet from the processor and acquirer side.

If you have an EMV capable terminal, then a best bet would be to contact your acquirer to have the EMV feature turned on. You did your end of the deal already by having an EMV capable terminal, it is now the acquirers' responsibility to turn it on in accordance to the EMV switchover mandate.

And if you don't, you are going to replace your POS terminal anyway from common wear and tear. It isn't a hard switch-over. You can continue to use your POS terminal until it dies out because EMV cardholders will still have the mag-stripe on the back. And by the time your non-EMV capable POS terminal is up for replacement the market will be full with these newer POS terminals that can accept the mag-stripe, EMV, as well as contactless payments.

In addition, you may also want to check with your acquirer or processor about EMV capable terminals. Some of them are willing to replace your terminal for free in preparation for the US EMV switchover. Call and ask for details.


But what's in it for me? I'm the one that has to pay for the upgrade.
All the major card networks have given incentives for merchants for the upcoming EMV switchover.

If 75% or more of your credit card transactions are done on an EMV contact and contactless terminal, they are going to waive your annual PCI-DSS fees, which usually costs you around $5.00-$19.95/month per terminal. The overall long term cost savings of those compliance fees will be larger than the cost of an one time upgrade for the terminal.

The downside is that once EMV switchover happens and if you do not have a POS terminal that is able to accept EMV, the fraud liability shifts over to the merchant.

I own several fast food franchises. If I upgrade my POS terminals at all of my restaurants, it's going to cost me thousands, if not millions. I don't think anyone is going to use a fake credit card to buy $5 burgers. And if they do, wouldn't it be cheaper for me to eat the fraud cost?
Remember also that fraud isn't just committed by dishonest customers using fraudulent cards. Fraud can also happen with dishonest employees skimming off credit card data from the mag-stripe as in the case of a teenage McDonald's drive thru employee skimming off $13,000 of customers' credit cards in Olympia, WA. Consider the public relations fall out that your business may have if this happens (i.e. the big Target breach of 2013, where someone used a mag stripe card to load malware INTO Target's system). Is it worth risking to take such a huge PR disaster?
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Old Jul 3, 14, 1:28 am   #5326
  
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I wouldn't call the results of that poll overwhelming as the vast majority of people polled don't seem to care one way or the other.

And in saying what I am about to say, I am simply the messenger. The bean counters have obviously spoken and won the day. As far as visa and mc are concerned (others will not buck the trend), chip and signature is cheaper than chip and pin to implement and confers almost as much protection on card is present transactions as chip and pin (they will readily admit chip and pin is somewhat more secure but only marginally so and the difference is not worth the amount of infrastrcture needed to implement chip and pin). And after all, they will argue, there is no big problem overseas because merchants are required to accept all valid cards. (We know this is not a universal truth but trying to rebut the argument is like spitting in the wind blowing in your face). They will admit unpersonneled kiosks might be a problem but tell you they are working with regulatory agencies in various countries to resolve this problem but that the cards (chip and signature) will work 99.7% of the time and that nothing is 100%. Domestic merchants don't care; they're not liable anyway. Most consumers don't care (add together in that poll the number of chip and signature with the number of I don't care) as they have no intention of going overseas. Add it all up. Scream about it, yell about it, write letters all we want (yes I want offline chip and pin) and you know what. It isn't going to change any of the beans counters and hence the banks' minds.
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Old Jul 3, 14, 1:43 am   #5327
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Quote:
Originally Posted by chipless View Post
If there are countries doing that, then there will always be situations where foreigners are out of luck.
Hopefully long-term, things will change to prevent country-specific cards. (And maybe move exclusively to online PIN )

Quote:
Originally Posted by jamar View Post
As far as I'm concerned, if we want to talk about "true" Chip+PIN there are only four variations:

1. Offline Chip+PIN where C+P is priority 1 on CVM list
2. Offline Chip+PIN where some other CVM takes 1st place
3. Online Chip+PIN where C+P is priority 1 on CVM list
4. Online Chip+PIN where some other CVM takes 1st place

It seems that the very few mainstream issuers in the US that issue C+P cards are issuing Ver.2 whereas what most people seem to want is Ver.1, even though there are other countries that are doing Ver.3. Thus far it seems only Citi AA MasterCards and a couple others are Ver.4.

In any case, what most people don't want to deal with is when the card has signature as 1st priority CVM, the merchant doesn't like signature or the terminal doesn't want to look down the CVM list to see that there is in fact PIN available, and the transaction is denied or voided after the fact. Inconvenient all around, and it could all be avoided if offline C+P went first in the CVM list. Or one with online C+P priority for countries that do that. It really doesn't need to be as complicated as you make it sound.
Most of my American EMV cards are version 4. In fact, all but one which doesn't have PIN at all.
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Old Jul 3, 14, 11:25 am   #5328
  
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Quote:
Originally Posted by jamar View Post
As far as I'm concerned, if we want to talk about "true" Chip+PIN there are only four variations:

1. Offline Chip+PIN where C+P is priority 1 on CVM list
2. Offline Chip+PIN where some other CVM takes 1st place
3. Online Chip+PIN where C+P is priority 1 on CVM list
4. Online Chip+PIN where some other CVM takes 1st place

It seems that the very few mainstream issuers in the US that issue C+P cards are issuing Ver.2 whereas what most people seem to want is Ver.1, even though there are other countries that are doing Ver.3. Thus far it seems only Citi AA MasterCards and a couple others are Ver.4.
By "very few", you mean one at this point, though it's arguable whether UNFCU is "mainstream". At present, I have one #4 card and one #2 card, as well as a corporate charge card that is both online and offline PIN (with offline as priority #1 IIRC). The rest are either magstripe only (Discover, Chase Freedom, debit cards) or have no PIN ability at all (CSP and Amex).

Quote:
Originally Posted by jamar View Post
Yep, it is. I've used mine overseas for quite a while now. When VR was still a thing I would use this as a method to earn miles on overseas spend on cards that would otherwise incur a FTF. CC->VR->Bluebird, the VR purchase fee generally being more than worth the AA or US miles.
Nice. I was at Walmart last night and almost spent the $5 to get the card then and there, but I might just get one online. I also have a Google Wallet card, but I'm not sure if that's FTF free or not (and may be easier to recharge/use if one has a local country SIM in their phone since it's a MasterCard debit card).

Quote:
Originally Posted by JEFFJAGUAR View Post
I wouldn't call the results of that poll overwhelming as the vast majority of people polled don't seem to care one way or the other.
One can also spin it as "the vast majority of Americans want chip and PIN", since not caring either way could be argued in the court of public opinion as wanting either.

Quote:
Originally Posted by JEFFJAGUAR View Post
And in saying what I am about to say, I am simply the messenger. The bean counters have obviously spoken and won the day. As far as visa and mc are concerned (others will not buck the trend), chip and signature is cheaper than chip and pin to implement and confers almost as much protection on card is present transactions as chip and pin (they will readily admit chip and pin is somewhat more secure but only marginally so and the difference is not worth the amount of infrastrcture needed to implement chip and pin). And after all, they will argue, there is no big problem overseas because merchants are required to accept all valid cards. (We know this is not a universal truth but trying to rebut the argument is like spitting in the wind blowing in your face). They will admit unpersonneled kiosks might be a problem but tell you they are working with regulatory agencies in various countries to resolve this problem but that the cards (chip and signature) will work 99.7% of the time and that nothing is 100%. Domestic merchants don't care; they're not liable anyway. Most consumers don't care (add together in that poll the number of chip and signature with the number of I don't care) as they have no intention of going overseas. Add it all up. Scream about it, yell about it, write letters all we want (yes I want offline chip and pin) and you know what. It isn't going to change any of the beans counters and hence the banks' minds.
No one said the poll was going to change anyone's minds at the banking institutions. Just thought that it was interesting data.
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Old Jul 3, 14, 12:05 pm   #5329
  
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If we can't have PIN, can we at least have contactless on one or two cards? Cash no longer accepted for payment on London buses/trains. (Somehow, I have the feeling that Google Wallet won't work because it shows up as a US MasterCard, which they explicitly say may have problems.)
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Old Jul 3, 14, 12:52 pm   #5330
  
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I've been following this topic for quite a while and finally registered to contribute with a card that I didn't see in the wiki. United Nations Federal Credit Union has a card called Visa Azure. It has no annual fee, but does have a 1% FTF. The card and PIN are mailed separately and the PIN cannot be changed, so it looks like it supports offline PIN. I'm in Vancouver at the moment, but have also used this card in Europe and it has been accepted everywhere I go and I've always been asked for a PIN.
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Old Jul 3, 14, 1:15 pm   #5331
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Originally Posted by Dragonbelle View Post
According to this April 2014 TripAdvisor thread, local transportation systems like city subways don't accept credit cards at all. The Deutsche Bahn national rail system does.

http://www.tripadvisor.com/ShowTopic...alatinate.html
I dont know about those particular smaller cities in Germany that are being discussed in that thread, but I've run nto a number of (usually larger) cities both in the US and Europe where you may not be able to buy individual tickets with a credit card but at certain locations you can buy passes of one sort or another for the local transportation system with a credit card.
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Old Jul 3, 14, 1:55 pm   #5332
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I dont know about those particular smaller cities in Germany that are being discussed in that thread, but I've run nto a number of (usually larger) cities both in the US and Europe where you may not be able to buy individual tickets with a credit card but at certain locations you can buy passes of one sort or another for the local transportation system with a credit card.
Actually in Germany you can buy individual tickets with CC also, provided you buy it at the office where the clerks usually know how to run the US-issued cards versus at the window where the card reader is mounted outside. I have done so with the mag cards.

I notice that the clerk at the office would take a look of the card to determine where the mag tape is located, then insert it with a correct direction - apparently it is the end of the mag tape that stores the vital information. Inserted it the wrong end, the card would fail.

I can also buy individual tickets in Amsterdam with CC, except there would be a 0.50 euro surcharge. NL is a CC unfriendly nation. Their grocery stores do not take CC at all, versus in Russia, even a very small store would take CC. In general, Western Europe is more a cash-based society than Eastern Europe - that is a big surprise we have found during our month long trip last Summer. All the Baltic countries, Eastern Blocks and Russia, we can pay with CC on virtually any purchases, while we could not pay with CC even at some chain restaurants in Germany.
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Old Jul 3, 14, 4:32 pm   #5333
  
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Originally Posted by KevinW23 View Post
I've been following this topic for quite a while and finally registered to contribute with a card that I didn't see in the wiki. United Nations Federal Credit Union has a card called Visa Azure. It has no annual fee, but does have a 1% FTF. The card and PIN are mailed separately and the PIN cannot be changed, so it looks like it supports offline PIN. I'm in Vancouver at the moment, but have also used this card in Europe and it has been accepted everywhere I go and I've always been asked for a PIN.
Thank you but we're well aware of this card at least here. When we say there is currently only one true chip and pin card available to Americans today, that's the one.
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Old Jul 3, 14, 4:39 pm   #5334
  
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Speaking of contactless, I'm wondering if US issuers will even bother putting the necessary EMV chip on the cards themselves or if they'll push mobile payments instead. For instance, Chase has a page at http://www.chasemobilepay.com/ that explains how to set up ISIS Mobile Wallet with their cards and Amex/Wells Fargo also appear to be supported by ISIS according to https://www.paywithisis.com/. How much more is a contactless-enabled EMV chip compared to a regular EMV chip anyway?
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Old Jul 3, 14, 11:15 pm   #5335
  
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Quote:
Originally Posted by KevinW23 View Post
I've been following this topic for quite a while and finally registered to contribute with a card that I didn't see in the wiki. United Nations Federal Credit Union has a card called Visa Azure. It has no annual fee, but does have a 1% FTF. The card and PIN are mailed separately and the PIN cannot be changed, so it looks like it supports offline PIN. I'm in Vancouver at the moment, but have also used this card in Europe and it has been accepted everywhere I go and I've always been asked for a PIN.
Quote:
Originally Posted by JEFFJAGUAR View Post
Thank you but we're well aware of this card at least here. When we say there is currently only one true chip and pin card available to Americans today, that's the one.
I think KevinW23 was pointing out that only the Elite version of the UNFCU card (with the $50 annual fee) is listed in the spreadsheet when in fact there are two: Elite & Azure.
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Old Jul 4, 14, 12:46 am   #5336
  
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Mea culpa. I haven't looked at the spreadsheet. I just go by bank and then try to differentiate. Example. I know Barclay's Bank USA offers emv cards so if I'm interested, I do the research on the web site. I'm guilty I suppose.
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Old Jul 4, 14, 2:33 am   #5337
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Originally Posted by tmiw View Post
By "very few", you mean one at this point, though it's arguable whether UNFCU is "mainstream". At present, I have one #4 card and one #2 card, as well as a corporate charge card that is both online and offline PIN (with offline as priority #1 IIRC). The rest are either magstripe only (Discover, Chase Freedom, debit cards) or have no PIN ability at all (CSP and Amex).
Interesting - I have none of 1-3, but a number of 4 (basically every US EMV card I have except Chase cards and the Citi AAdvantage Visa). Still not sure about my Amex cards though
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Old Jul 4, 14, 5:23 pm   #5338
  
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Originally Posted by dmapr View Post
I think KevinW23 was pointing out that only the Elite version of the UNFCU card (with the $50 annual fee) is listed in the spreadsheet when in fact there are two: Elite & Azure.
Yes, that's what I meant . Sorry if I wasn't clear the first time. I should also mention that you can join UNFCU if you join UNA-USA which is $25, but free for students. You have to mail both the welcome letter and the UNFCU application to join.
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Old Jul 5, 14, 8:51 pm   #5339
  
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Also it appears one can redeem points earned from the UNFCU rewards program as a statement credit (rate appears to be around .095%), so I guess that can help makeup getting charged the 1% FTF fee.
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Old Jul 6, 14, 6:58 pm   #5340
  
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Silver
Posts: 7,866
Not sure if anyone's noticed, but HSBC's US cards are now EMV enabled (and are contactless! ): http://www.us.hsbc.com/1/2/home/pers...g/credit-cards

From reading the information there, it appears that the cards have a PIN but are signature priority like the other C&P cards in this country. But still, they support contactless. And that's pretty huge if you're going to be traveling somewhere where the mass transit no longer takes cash.
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