Just for the record, at least as of now, usaa is onlyh offering chip and pin on its mastercards. It has promised in the near future to offer chip and pin on its entire line of credit cards.

In a sense, and we've discussed this here, PenFed is not a true chip and pin card insofar as it's default mode is chip and signature if the merchant's pos terminal takes chip and signature. There have been a small number of reports, very small but they're out there nonetheless, of merchants invalidating a charge on a terminal if it is chip and signature. However, penfed as well as the other fcu's do work as true chip and pin most of the time in unpeopled kiosks and the like, at least from reports here.

Diners club is not offered to new cardholders in the United States and is basically today a mastercard.