USA EMV cards: Availability, Q&A (Chip & PIN -or- Chip & Signature) [2012-2015]
May I suggest that we create a sticky in the 1st post with a running list of cards where users may request a chip and pin card? I have been skimming this thread and see the two cards noted above and also the Chase BA card. The sticky on the best credit card offers over in MilesBuzz has been extremely useful to FTers, and I can see a running list of chip/pin-capable cards becoming a handy reference, too.
Moderator edit: kebosabi has responded to this suggestion by creating an editable Google worksheet which summarizes the EMV cards available from USA-issuers today: https://docs.google.com/spreadsheet/...k01SHZvTUMxdUE |
Please reply to this thread ONLY if you have updated the Google Docs worksheet which lists the cards available today:
https://docs.google.com/spreadsheet/...k01SHZvTUMxdUE Discussion of these cards is hosted in this thread: http://www.flyertalk.com/forum/credi...signature.html Discussion of the merits of EMV versus swipe and other verification methods is hosted in this thread: http://www.flyertalk.com/forum/credi...iscussion.html |
Collective report of Chip & Signature usage abroad (as of 2012/8/22)
From the collective reports so far, we have begun seeing a better picture how US issued EMV Chip-and-Signature cards work outside the US:
Live merchants Tester(s): kebosabi report, Aaron01 report Pro: No more hassle about wasting 5-10 minutes of your life trying to convey the "you have to take it" "but it's store policy" charade with a cashier who may or may not understand English with a backlog of irritated customers behind you. The less stress, the better. Con(?): Some are surprised it prints out a receipt to sign because they're not used to seeing machines spitting out a receipt to sign. Usually not a problem though. Automated kiosks - no authorization under X amount Tester(s): geohiller report, dyung report
Automated kiosks - online authorization (using cash advance PIN and going through as purchase) Tester(s): islandguy84 report, cvarming report, Majuki report, joshwex90 report
Automated kiosks - offline authorization Tester(s): inferno10 report, dasubergeek report
Automated kiosks - offline authorization confirmed working with Andrews FCU (Chip-and-PIN) cards Tester(s): BeeNYC report, RRossi report
Country-locked cards Tester(s): unavaca and cvarming report posts #206-210 Nothing you can do about this unless you have a card issued specifically for use in that country. Seems to be the case in Denmark. Consumer Verdict Having an EMV Chip & Signature card is way better than just having a mag-stripe only card and is worth getting one. However, Chip & Signature can still fail in offline verification kiosks which is somewhat prevalent in kiosks that aren't hooked up to the acquirer. If you would like to prepare yourself in instances like this, it may also be worth looking into getting a Chip & PIN card via a credit union until the big banks start implementing those as well. |
Originally Posted by kebosabi
(Post 17837726)
Considering that the list would continue to grow over time and many cards (i.e. Citi) are still on a per-request basis, may I suggest a wiki-type page that anyone can update? :confused:
AFAIK here are the options available today (may have missed some) on Google Docs: https://docs.google.com/spreadsheet/...k01SHZvTUMxdUE |
Originally Posted by kebosabi
(Post 17837726)
...options available today...
Column B will eventually need to accommodate a third Type; Charge. I would call the Travelex card "Prepaid debit" Column F could be headed "Forex fee" and instead of listing Yes/No the sheet could show 0% 1% 3% etc. Column G could show the name of the rewards program, such as "Ultimate Rewards" or "AAdvantage Miles" |
Originally Posted by mia
(Post 17840103)
Very good, and thank you. Suggestions:
Column B will eventually need to accommodate a third Type; Charge. I would call the Travelex card "Prepaid debit" Column F could be headed "Forex fee" and instead of listing Yes/No the sheet could show 0% 1% 3% etc. Column G could show the name of the rewards program, such as "Ultimate Rewards" or "AAdvantage Miles" I've also went ahead and posted the link to post #1 of this thread for easier access. |
Why do these all say "2011/1" in the comments field. Should it be 2012/1? Were these available early last year?
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Fixed the "2011/1" to "2012/1."
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Added BMO (Diners Club), PNC (corporate clients only), and Star One CU (in beta-testing) from what I could gather online.
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Originally Posted by kebosabi
(Post 17845459)
Added BMO (Diners Club)
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Considering that annual fee and forex fees tend to be the two biggest factors for international travelers, I created a worksheet in tab #2 titled "Annual Fee vs Forex Fee" to compare and contrast between two EMV cards that one might consider depending on your spending habits abroad.
Enter in the data needed where highlighted in light blue and it will automatically calculate the make up cost between card A and B and which one you'll be better off depending on your spending habits abroad. |
Added Andrews Federal Credit Union, a credit union based in Suitland, MD.
This one could be the best credit union as of today with $0 annual fee with low 1% forex fee (only what VISA charges), full Chip-and-PIN with rewards, with very eased membership qualifications.
Originally Posted by Andrews FCU qualifications
Our membership includes civilian and military personnel of Andrews Air Force Base, McGuire Air Force Base, and military installations in central Germany, Belgium, and The Netherlands; as well as over 200 groups throughout Maryland and New Jersey.
Not eligible for Andrews Federal membership through one of the groups listed above? You can become eligible through our partnership with the American Consumer Council (ACC). When you join the ACC, you are eligible for membership at Andrews Federal, too. Membership in the ACC is free. For more information, please call 800.487.5500, option 3. |
Note made that someone updated the Diners Club section as some US cardholders have begun receiving the new replacement cards.
New Diners Card also have PayPass contactless feature, second card company to issue a mag-stripe + EMV (Chip-and-PIN) + contactless three way hybrid card. |
Originally Posted by kebosabi
(Post 17885669)
...some US cardholders have begun receiving the new replacement cards[/url].
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Originally Posted by mia
(Post 17885849)
The fact that cardholders cannot change their PIN suggests that the infrastructure is not complete.
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