Credit Cards with EMV Chips for International Travel

Many people who travel internationally have come across problems with acceptance of their traditional magnetic stripe credit cards. This is because several countries outside of the U.S. require smart card technology, or EMV chips. To meet these standards, United States credit card issuers are beginning to provide EMV chips on some of their cards. Some cards automatically will come with a chip embedded within the card when it is issued while others require a request for the feature. Below are credit cards with these capabilities and explanation of how the process works.

Citi ThankYou Premier Card: This offer comes with an EMV chip when issued. The card also does not charge foreign transaction fees which typically run from 2-4% when applicable.

Citi ThankYou® Premier Rewards Card

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Earn 2X's ThankYou® Points on all your purchases for 24 months from account opening
After that, earn 1.2 ThankYou Points at supermarkets, drug stores, gas stations, commuter transportation and parking merchants and 1 ThankYou point for every $1 on all other purchases
Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card
No foreign transaction fee on purchases*
Annual complimentary domestic companion ticket, within the contiguous U.S.
No points cap and no expiration of points

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
N/A*	N/A*	13.99%-22.99%* (Variable)	$0 1st year, then $125*	N/A	Excellent

U.S. Bank Flex Perks Travel Rewards Visa: The card comes with an EMV chip when issued however there is a 2% foreign transaction fee when purchases are made in U.S. dollars or 3% when the purchases are made in a foreign currency. Both of these fees apply to ATM advances as well as traditional purchases.

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card

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Get 15,000 bonus FlexPoints after the first $500 in net purchases in the first 90 days
Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
Earn one FlexPoint for every $1 of eligible net purchases charged to your card
Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
Earn Triple FlexPoints for your charitable donations
$0 Annual Fee* the first year, after that $49*
Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases.You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0%	12 billing cycles	13.99%-23.99% (Variable)	$0 1^st year, then $49	Yes	Excellent

The Hyatt Credit Card: Issued by Chase, this card comes with an EMV chip and does not charge foreign transaction fees with its use internationally.

Citi Hilton HHonors Reserve Card: Issued with EMV technology and no foreign transaction fees.

Citi® Hilton HHonors^TM Reserve Card

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Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Worldwide portfolio after $2,500 in eligible purchases within 4 months of account opening*
Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton Worldwide portfolio*
Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
No foreign transaction fees on purchases*
Travel with ease and enjoy global acceptance with your Citi chip credit card
Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton Worldwide portfolio each cardmembership year with qualifying purchases*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
N/A*	N/A*	14.24%* (Variable)	$95*	N/A	Excellent

The following offers from Citi are available with EMV technology if requested. You may apply online for any of these offers and upon acceptance may contact Citi to receive a card with an EMV chip.

Citi Simplicity® Card

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0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
Peace of mind through direct access to a service representative, no late fees and no penalty rate
No annual fee

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0%*	18 months*	12.99% - 21.99%* (Variable)	$0*	Yes*	Excellent

Citi® Diamond Preferred® Card

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0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0%*	18 months*	11.99%-21.99%* (Variable)	$0*	Yes*	Excellent

Additional Information Regarding EMV Cards for International Travel

Certain issuers are currently providing cards with the technology by request or have plans to roll out their offers later on in the year or in 2013. Discover's, Bank of America's, and those for American Express have been covered at Credit Card Education by our investigative team. Travelers who plan on going abroad with an offer from one of those issuers should contact the respective issuing bank if they are interested in finding out more about their product's EMV capabilities.