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

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
14.74% to 24.74% (variable)
Annual Fee
$85
Credit Needed
Excellent

First Citizens Smart Option® Visa® Card

• No annual fee
• Lowest available interest rate
• 0% APR for the first 12 months
• Exclusive Visa discounts
• Instant cash advances at any ATM
• Chip technology provides more security and global acceptance... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
8.24% - 19.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens Cash Back Rewards Visa® Card

• Get 1% cash back for each $1 you spend on qualifying purchases
• Redeem cash back for statement credit or deposit into your First Citizens checking or savings account
• No caps on cash back
• No annual fee
• 0% APR... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens RewardsSM Visa® Card

• Get 1 points for each $1 you spend on qualifying purchases
• Redeem for rewards like travel, cash back, digital and gift card rewards, merchandise, and unique experiences
• Pay Me Back allows you to use points as a full statement... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens Optimum RewardsSM Visa® Card

• Get 1.5 points for each $1 you spend on qualifying purchases
• Get 2,500 bonus points by opening an account
• No expiration dates on points
• No cap on points
• Combine points with other First Citizens consumer... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
$50 / 5,000 points
Credit Needed
Excellent / Good

People's United Bank MasterCard® College Rewards

• Earn 1,000 bonus points by making your first purchase
• Earn 1x Reward point per $1 spent in net purchases
• Earn 500 Reward points by enrolling in auto-pay
• Earn 500 Reward points by enrolling in e-statements
•... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
12.24% - 23.24% (variable)
Annual Fee
No annual fee
Credit Needed
No credit / Limited

People's United Bank Travel Rewards American Express® Card

• Earn 7,500 bonus points by making your first purchase, redeemable for $75 cash back, merchandise, gift cards, or travel savings
• Earn 3x points for every $1 you spend on airline purchases
• Earn 2x points for every $1 you spend... Show More

Purchases Intro APR
0% for 6 months
Balance Transfers
0% for 6 months
Regular APR
12.24% - 23.24% (variable)
Annual Fee
$95
Credit Needed
Excellent

People's United Bank Cash Rewards American Express® Card

• Earn 3% cash back on gas when you spend $6,000 on fuel annually
• Earn 2% cash back on supermarket purchases
• Earn 1% cash back on all other purchases
• Earn $25 cash back bonus after first purchase
• No annual fee... Show More

Purchases Intro APR
0% for 6 months
Balance Transfers
0% for 6 months
Regular APR
12.24% - 23.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

People's United Bank MasterCard® Bonus Rewards PLUS Card

• Get 1x point per $1 spent on net purchases
• Get a 50% bonus on all points earned every month
• Redeem as little as 2,500 points for $25 cash back, or 25,000 points for round-trip airfare up to $325
• Get $50 cash back by... Show More

Purchases Intro APR
0% for 6 months
Balance Transfers
0% for 6 months
Regular APR
12.24% - 23.24% (variable)
Annual Fee
$50
Credit Needed
Excellent / Good