Originally Posted by Majuki

While I agree, it's a step in the right direction. It's just like how I got the EMV version of the Costco AmEx. I have no intention of using the Costco AmEx overseas (other than as a membership card), but this will mean my credit cards will be 100% EMV once I replace the Freedom card with an EMV version. It will just leave my two debit cards as non-EMV.

A bit OT, but I think the Freedom allows the 5% cash back as long as the merchant category is coded correctly, right? AmEx Costco restricts the bonus cash back to US merchants only. However, I recognize most of the bonus category merchants are only or largely within the US: Lowe's, Kohl's, most of the department stores, etc.