Best EMV Credit Cards

11 Cards

Credit card offers with EMV chips - Updated January 2023

Capital One Platinum Credit Card

(0 Ratings or Reviews)
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Rates and Fees
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Lowest Credit Score
630
High Credit Score
689
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 30.74% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms
Regular Balance Transfer APR 30.74% (Variable)
Fees
Balance Transfer Fee $0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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HSBC Gold Mastercard® credit card

(1 Rating or Review)
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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR 0.00%
Intro Purchase APR Period 18 months
Regular Purchase APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Annual Fee $0
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0.00%
Intro Balance Transfer Period 18 months
Regular Balance Transfer APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Balance Transfer Fee 4.00%
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 14.49% - 24.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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Chase Sapphire Preferred® Card

(3 Ratings & Reviews)
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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR N/A
Intro Purchase APR Period null
Regular Purchase APR 21.49%-28.49% Variable
Fees
Annual Fee $95
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR N/A
Intro Balance Transfer Period N/A
Regular Balance Transfer APR 21.49%-28.49% Variable
Fees
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
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Capital One Venture Rewards Credit Card

(0 Ratings or Reviews)
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Rates and Fees
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 19.99% - 29.99% (Variable)
Fees
Annual Fee $95
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms
Regular Balance Transfer APR 19.99% - 29.99% (Variable)
Fees
Balance Transfer Fee $0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
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Capital One Quicksilver Cash Rewards Credit Card

(0 Ratings or Reviews)
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Rates and Fees
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 15 months
Regular Purchase APR 19.99% - 29.99% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR 0% intro on balance transfers
Intro Balance Transfer Period for 15 months
Regular Balance Transfer APR 19.99% - 29.99% (Variable)
Fees
Balance Transfer Fee 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
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Luxury Card™ Mastercard® Black Card™

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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 21.24%, 25.43% or 28.24%
Fees
Annual Fee $495 ($195 for each Authorized User added to the account)
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0%
Intro Balance Transfer Period introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular Balance Transfer APR 21.24%, 25.43% or 28.24%
Fees
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
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Capital One QuicksilverOne Cash Rewards Credit Card

(0 Ratings or Reviews)
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Rates and Fees
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Lowest Credit Score
630
High Credit Score
689
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 30.74% (Variable)
Fees
Annual Fee $39
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms
Regular Balance Transfer APR 30.74% (Variable)
Fees
Balance Transfer Fee $0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
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Capital One SavorOne Cash Rewards Credit Card

(0 Ratings or Reviews)
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Rates and Fees
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 15 months
Regular Purchase APR 19.99% - 29.99% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR 0% intro on balance transfers
Intro Balance Transfer Period for 15 months
Regular Balance Transfer APR 19.99% - 29.99% (Variable)
Fees
Balance Transfer Fee 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
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Capital One VentureOne Rewards Credit Card

(0 Ratings or Reviews)
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Rates and Fees
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 15 months
Regular Purchase APR 19.99% - 29.99% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR 0% intro on balance transfers
Intro Balance Transfer Period for 15 months
Regular Balance Transfer APR 19.99% - 29.99% (Variable)
Fees
Balance Transfer Fee 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
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Southwest Rapid Rewards® Plus Credit Card

(0 Ratings or Reviews)
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR See Terms*
Intro Purchase APR Period null
Regular Purchase APR 21.49%-28.49% variable
Fees
Annual Fee $69
Foreign Transaction Fee See Terms*
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms*
Regular Balance Transfer APR 21.49%-28.49% variable
Fees
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.
  • Member FDIC
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