Best EMV Credit Cards

11 Cards

Credit card offers with EMV chips - Updated January 2023

Lowest Credit Score
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Intro Purchase APR See Terms
Intro Purchase APR Period null
Regular Purchase APR 21.49%-28.49% variable
Annual Fee $99
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
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.
  • 6,000 anniversary points each year.
  • Earn 3X 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.
  • No foreign transaction fees.
  • Member FDIC
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