Home Credit Cards Chip + PIN Cards; Why You Should Have One

Chip + PIN Cards; Why You Should Have One

by joeheg

By now, I’m sure you have a credit card with a chip, or EMV chip to be specific, in your possession. It’s that thing on your card that makes the person at the checkout tell you, “You need to use your chip in the bottom thingie,” or makes them say when you try to insert your chip card, “We don’t use that chip thing yet, so you need to swipe your card.”


That thing on the left side of the card is the “chip”

In the U.S.A., we like the think we lead the world in just about everything, but when it comes to credit card security we are decades behind the curve. EMV ( Europay, Mastercard and Visa) chip technology was introduced back in the 1990s and rolled out throughout Europe in the 2000s. The chip in the card is used to confirm the information instead of reading the information off the magnetic strip on the back. This technology is harder to counterfeit and, supposedly, cuts down on fraud. The banks in Europe rolled out this technology first because credit card fraud was, at the time, much more common there. When the chip cards were introduced and helped prevent fraud, the criminals went to the least protected market, the USA, so they could continue with the scamming. Lucky us.

The reason you’ve received chip cards in recent years is mainly financial. On October 1, 2015 the financial responsibility for fraudulent charges changed based on chip availability. After that date:

  • If the bank didn’t issue you a chip card and someone made a fake charge to your account that went through, the bank was responsible for the money.
  • If the bank gave you a chip card and the merchant (seller) didn’t have the technology to read a chip card, the merchant was on the hook for the charge.

This technology is still rolling out in the U.S., where it appears the final date for implementation will be at the gas pumps, where the liability shift described above starts on October 1, 2020. I’d imagine that most everyone in the U.S. will have a chip card by then.

So what is a chip + PIN card and why are we just starting to get them in the U.S.?

If you have a debit card with a chip, you’re already familiar with the process of a chip + PIN card. You insert your chip and the reader asks for your PIN to complete the transaction. Pretty simple, right? This is the system that most of Europe has run on for their credit cards for over a decade; chip + PIN, rather than chip + signature. It seems the banks in the U.S. thought it would be TOO COMPLICATED for people to remember a PIN for their credit cards so they chose to go with the chip + signature method for cards issued in the U.S.  Here is a quote from a Krebs on Security interview with Julie Conroy, a fraud analyst with The Aite Group, about chip + PIN vs. chip + signature cards:

“…we are the most competitive market in the world, and so as you look at the business case for chip-and-signature versus chip-and-PIN, no issuer wants to have the card in the wallet that is the most difficult card to use.”

Why should you care?

I was reminded of why you should care when I was reading a travel group on Facebook and someone was writing about how they were just in Europe and tried to buy a train ticket with their Chase Sapphire Reserve card and it was denied by the automated ticket kiosk. The only card they could get to work to buy a ticket was their bank ATM card.

I knew what happened immediately. This kiosk would only work with a chip + PIN card and the only card they had that used chip + PIN was the debit card from their bank. I’ve read in many posts that non-U.S. train/subway ticket kiosks and gas stations often will ONLY take chip + PIN cards. It seems strange to me than even when banks promote their “best” travel cards like the American Express Platinum and the Chase Sapphire Reserve. They chose to make these cards work by chip + signature. One of the first banks to offer cards with true chip + PIN cards in the US was Barclays, a UK-based bank.

By reading this article, you probably know more about what a chip + PIN card is than most of your bank’s representatives. So don’t be fooled if your bank says that your card has a PIN, when you know you haven’t been set up for chip + PIN. That PIN might only be able to get you money from an ATM, that your bank will treat as a cash advance, but it will not help you get you gas for your car rental in the middle of France.

What should you do?

When I travel overseas, I always make sure I have at least one card that will work with a chip + PIN reader. For me, that is my Arrival+ from Barclays.


I make sure to carry it with me whenever I travel outside the U.S. because it has true chip + PIN functionality and charges no foreign transaction fees to use it outside the U.S.

Here’s a link to an up to date list of banks and the Chip + PIN cards they issue.  Who knew that my Chase Sapphire Reserve won’t work to get me a train ticket but the Frontier Airlines MasterCard will???


The Frontier Airlines Mastercard from Barclays Bank has Chip + PIN capabilities.

The bottom line is that you need to be prepared when traveling overseas and carrying a credit card that has “true” chip + PIN functionality is one of those preparations. I make sure to add my chip + PIN card to my wallet before a trip and alert my bank that I’ll be traveling.

There’s no easy way to know if your card will work in a chip + PIN reader and this is not something you want to find out by trial and error. Asking your bank may not be enough because many of the bank representatives don’t even know what chip + PIN means. While big banks like Chase and American Express have decided not to issue them, many others such as Wells Fargo, Bank of America and US Bank, along with many credit unions, issue chip + PIN cards. It’s quite possible that you currently have a card with chip + PIN functionality and don’t know it – but it’s better to find out BEFORE you leave the country.

Like this post? Please share it! We have plenty more just like it and would love if you decided to hang around and clicked the button on the top (if you’re on your computer) or the bottom (if you’re on your phone/tablet) of this page to follow our blog and get emailed notifications of when we post (it’s usually just two or three times a day). Or maybe you’d like to join our Facebook group, where we talk and ask questions about travel (including Disney parks), creative ways to earn frequent flyer miles and hotel points, how to save money on or for your trips, get access to travel articles you may not see otherwise, etc. Whether you’ve read our posts before or this is the first time you’re stopping by, we’re really glad you’re here and hope you come back to visit again!

This post first appeared on Your Mileage May Vary


Don Dzejak July 24, 2018 - 6:20 pm

Went to Ireland recently for 2 weeks. All the restaurants and shops used these. Only once were we asked for a pin, and that was at the kiosk for train tickets.

Kevin December 8, 2019 - 9:24 am

We have had these cards in Canada for well over a decade. I have not signed a credit card transaction anywhere in the world except the US since George W Bush was President.

Recently in Vietnam the restaurant asked if we had cash because the American credit cards are too old to work on any payment system. We explained we were Canadian and they apologized but said they no longer have wireless payment terminals which take old fashioned credit cards and no ATMs nearby do so it’s hard on Americans and they like to warn them.

Of course you’re just getting globally-recognized credit cards about the same rime that the world is moving to fully contactless payment with WeChat Pay, Line Pay, AlliPay and Interac, ApplePay and GooglePay are way behind globally but worthwhile getting as that shiny new credit card won’t be the only game in town in Poughkeepsie for long.

DaninMCI December 8, 2019 - 9:32 am

Sitting here in Europe what I see is that you need a chip and pin card for kiosks but chip and signature works everywhere. Most merchants haves moved to contactless cards and are surprised if yours isnt.

Tom Kolisch December 8, 2019 - 11:55 am

WRONG – I have a Chase United Explorer card and it has Chip + Pin that I have used all over Europe

joeheg December 8, 2019 - 1:25 pm

I guess Chase needs to update their website.
What if I encounter an unattended kiosk while traveling abroad?
Internationally, chip has already been adopted as the industry standard. You’ll be able to use your chip card anywhere that Visa and MasterCard are accepted. Note: As of July 2015, unattended kiosks that accept Visa/MasterCard should now accept payment with or without PIN according to their new guidelines. If a merchant/kiosk asks you for a PIN, first verify that Visa/MasterCard are accepted. If so, you may be able to select one of the following to bypass the PIN prompt: “Cancel,” “Enter” or “Continue.” If the card reader still will not accept your card without a PIN code, there may be staff in the area to assist you. Otherwise, local currency may be needed in this situation.

Deibid February 5, 2020 - 11:56 am

Tom, you are wrong. I also have the chass sapphire.. It is a chip and signature. Yes, it works 90% of the time in Europe. However, it did not work for buying train tickets at kiosk machines.


Leave a Reply


Join our mailing list to receive the latest news and updates from our team.

You have Successfully Subscribed!

%d bloggers like this: