EMV and SmartChip Credit Cards

Only Takes 2 Minutes - Instant & Secure Online Approval Process

The cards listed below have EMV chip technology (also called a smart chips). These cards have better protection against counterfeiting or cloning. "Chip and signature" is becoming more standardized authorization process in the US. However, this standard is different than the "Chip and PIN" standard frequent in the rest of the world, but many travelers find these cards are more easily accepted overseas.

Premier Dining Rewards From Capital One

• Earn unlimited 3% cash back on dining.
• Earn unlimited 2% cash back on groceries.
• Earn unlimited 1% cash back on all other purchases.
• Earn a $100 cash bonus after you spend $500 within the first three months.
•... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
14.99%, 19.99% or 23.99%
Annual Fee
None
Credit Needed
Excellent

USAA Cash Rewards American Express®

• Earn up to 2.25% cash back on gas and groceries.
• Earn up to 1.25% cash back on all other purchases.
• You can earn unlimited cash back and redeem rewards at any time using online banking.
• Enjoy many travel and retail... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
10.40% - 26.40% (variable)
Annual Fee
None
Credit Needed
Excellent

USAA Secured Card Visa Platinum®

• Use this credit card to build, rebuild or improve your credit score.
• When you apply, you will also open a USAA Bank two-year certificate of deposit, on which you will earn interest (currently 0.54% APY).
• The money you deposit... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
10.40% - 20.40% (variable)
Annual Fee
$35
Credit Needed
Bad / No credit

USAA Classic Visa Platinum®

• Improve your credit by making consistent, on-time payments.
• Enjoy many travel and retail benefits, such as no foreign transaction fees, travel assistance, travel accident and baggage delay insurance, extended warranty, identity theft... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
18.40% - 24.40% (variable)
Annual Fee
$35
Credit Needed
Fair

USAA Rewards™ Visa Signature®

• Earn 1x point per $1 spent on all your purchases.
• Earn 2,500 bonus points after you make your first purchase.
• Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group (1... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
10.40% - 26.40% (variable)
Annual Fee
None
Credit Needed
Excellent

USAA Secured Card American Express®

• Use this credit card to build, rebuild or improve your credit score.
• When you apply, you will also open a USAA Bank two-year certificate of deposit, on which you will earn interest (currently 0.54% APY).
• The money you deposit... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
10.40% - 20.40% (variable)
Annual Fee
$35
Credit Needed
Bad / No credit

USAA Classic American Express®

• Improve your credit by making consistent, on-time payments.
• Enjoy many travel and retail benefits, such as no foreign transaction fees, travel assistance, concierge services, extended warranty, identity theft resolution services, price... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
18.40% - 24.40% (variable)
Annual Fee
$35
Credit Needed
Fair

USAA Preferred Cash Rewards Visa Signature

• Earn unlimited 1.5% cash back on every purchase.
• Redeem any amount in $1 increments online or by phone.
• Military benefits, such as:
     - Deployment/PCS rate: Get 4% APR on all balances for up to 12... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
12.40% - 26.40% (variable)
Annual Fee
None
Credit Needed
Good / Excellent

U.S. Bank FlexPerks® Gold American Express® Card

• Earn 3x FlexPerks points at restaurants
• Earn 2x FlexPerks points at gas stations and airlines
• Earn 1x FlexPerks point on all other eligible net purchases
• Earn 30,000 FlexPerks bonus points after you spend $2,000... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
14.49% to 24.49% (variable)
Annual Fee
$85
Credit Needed
Excellent