EMV (Chip)

These credit cards are EMV compatible for worldwide use. An EMV card is a credit card with an embedded chip and a magnetic strip. The transaction information is encoded differently every time, which makes it harder for criminals to steal data and use them for another purchase. No personal information about your account is stored on the chip.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features: Earn cash back twice. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Regular APR
    15.49% - 25.49% (Variable)
  • Intro APR
    0% intro APR for 18 months on balance transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: 2X miles on every purchase; bonus of 50,000 miles once $3,000 is spent in first 3 months
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Regular APR
    17.24% - 24.49% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit

Best Card Features: 4% cash back on dining & entertainment, 2% at grocery stores; $300 bonus after spending $3000 in first 3 months
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • Regular APR
    15.99% - 24.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit

Best Card Features: Long intro APR period especially for balance transfers; No annual fee
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • Regular APR
    15.24% - 25.24% (Variable)
  • Intro APR
    0% for 12 months on Purchases and 0% for 21 months on Balance Transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: 0% APR for 21 months on Balance Transfers and 12 months on Purchases; no annual fee, late fee or penalty rate
  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
  • Regular APR
    16.24% - 26.24% (Variable)
  • Intro APR
    0% for 21 months on Balance Transfers; 0% for 12 months on Purchases
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: 1.5% cash back on all purchases; $150 bonus after spending $500 in first 3 months
  • One-time $150 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
  • 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
  • Regular APR
    15.49% - 25.49% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit

Best Card Features: No annual fee; 3% cash back on dining & entertainment; 2% on groceries; $150 cash bonus after spending $500 in first 3 months
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • Regular APR
    15.49% - 25.49% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit

Best Card Features: 1.25X miles on every purchase; no annual fee; bonus of 20,000 miles once $1,000 is spent in first 3 months
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Regular APR
    13.49% - 23.49% (Variable)
  • Intro APR
    0% intro on purchases for 12 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit

Best Card Features: Only card to round up rewards to nearest 10 points; 15,000 bonus points after spending $1,000 in first 3 months
  • The Citi Rewards+SM Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% – 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Regular APR
    14.99% - 24.99% (Variable)
  • Intro APR
    0% for 15 months on Purchases and Balance Transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months and Balance Transfers for 18 months
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • Regular APR
    14.40% - 24.40% (variable)
  • Intro APR
    0% on Purchases for 12 months and Balance Transfers for 18 months
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit

Best Card Features: 4% cash back on first $7000 in eligible gas purchases; 3% at restaurants & eligible travel; 2% at Costco & Costco.com
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Regular APR
    16.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit

Best Card Features: No annual fee; 0% intro APR on purchases for 7 months; only student card to round up rewards to nearest 10 points
  • The Citi Rewards+SM Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 15.99% – 25.99%, based on your creditworthiness.
  • Regular APR
    15.99% - 25.99% (Variable)
  • Intro APR
    0% for 7 months on Purchases
  • Annual Fee
    $0
  • cdm-card

    Good Credit

Best Card Features: No annual fee; builds credit by reporting to major credit bureaus; initial security deposit can be as low as $200
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • Regular APR
    23.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Good Credit

Best Card Features: No annual fee; earn 1% cash back on all purchases; pay on time to boost your cash back to 1.25% for that month
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit

Best Card Features: Qualified applicants will enjoy 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
  • Regular APR
    19.49% to 25.49% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Fair Credit

Best Card Features: No annual fee; earn 1.5X miles for every $1 spent; 20,000 mile bonus once you spend $3,000 within first 3 months
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Regular APR
    14.49% - 22.49% (Variable)
  • Intro APR
    0% on purchases for 9 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit

Best Card Features: No annual fee; earn 1.5% cash back for every $1 spent; $200 bonus once you spend $3,000 within first 3 months
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% – 22.49% variable APR after that
  • Regular APR
    14.49% - 22.49% (Variable)
  • Intro APR
    0% on purchases for 9 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit

Best Card Features: Earn 2% cash back on every purchase; $500 cash bonus after spending $4,500 in first 3 months
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Regular APR
    18.49% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit

Best Card Features: Earn 2X miles on every $1 spent; 50,000 mile bonus after spending $4,500 in first 3 months
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Regular APR
    18.49% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit

Best Card Features: 1.5% cash back on every purchase; access to higher credit line after making first 5 monthly payments on time
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $39
  • cdm-card

    Fair Credit

Best Card Features: No annual fee; access to higher credit line after making first 5 monthly payments on time
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit

Best Card Features: No annual fee; reports to major credit bureaus; access to higher credit line after making first 5 monthly payments on time
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Bad Credit

Best Card Features: Available for businesses with average credit; no annual fee; 1% cash back on all purchases
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • Regular APR
    24.49% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit

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