Originally Posted by der_saeufer

I suspect a fair number of FTers already have USAA accounts... For those of us who already have USAA's MasterCard (hey, they gave me one when I was 19, so why cancel it?), the way to get a chip-and-PIN card through the online system is slightly strange. Log in to your account online and create a travel report for a country that uses chip-and-PIN. After you've done that, it'll ask if you want to "convert" your account. It only works for the MasterCard credit card; you can't get a chip-and-PIN debit card or AmEx network card no matter how many times you report your upcoming trip to France.