Originally Posted by
kebosabi
If Chase Freedom (and other Chase cards that we haven't heard of) indeed comes with EMV, it's probably more along the lines of Chase getting out EMV credit cards out in preparation for the US EMV switchover so as to shift fraud liability over to non-compliant merchants, not because of international travel concerns.
I agree. It's likely the case that most cards issued over the next 15 months will be EMV, and that will get more merchants to switch on EMV. I don't think we'll see many card refusals in the US where the merchant doesn't have an EMV capable terminal yet the customer has an EMV card. Here there is more of a recourse than overseas if a merchant isn't abiding by the Visa/MasterCard policy. It would have been different if issuers hadn't budged because then it would be the status quo for merchants even after the liability shift.