EMV Chip Credit Cards

With identify theft on the rise, especially in the United States, it’s critical that cardholders are proactive when it comes to their financial security. Millions of Americans have fallen victim to credit card fraud, which is why the added security from EMV smart chip technology is a lifesaver. Don’t take chances when it comes to protecting your personal information—choose one of the EMV chip credit cards below, and enjoy the peace of mind in knowing that your transactions are exponentially more secure.

Capital One® Venture® Rewards Credit Card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

17.99% - 25.24%

(Variable)

Annual
Fee

$0 intro for first year; $95 after that

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • 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. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Named ‘The Best Travel Card' by CNBC, 2018
    • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $95 after that

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

17.99% - 25.24% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

17.24% - 25.24%

Variable APR on purchases and balance transfers

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
    • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
    • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
    • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
    • Comes with chip technology for enhanced security and protection at chip-enabled terminals
    • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
    • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% Introductory APR on purchases for 12 billing cycles

Intro APR for Balance Transfer

N/A

Regular APR

17.24% - 25.24% Variable APR on purchases and balance transfers

Annual Fee

$0

Capital One® VentureOne® Rewards Credit Card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

14.24% - 24.24%

(Variable)

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • $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
    • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Transfer your miles to over 12 leading travel loyalty programs
    • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
    • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
    • Miles won't expire for the life of the account and there's no limit to how many you can earn

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% intro on purchases for 12 months

Intro APR for Balance Transfer

N/A

Regular APR

14.24% - 24.24% (Variable)

Annual Fee

$0

Bank of America® Cash Rewards credit card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%

Intro APR for 12 billing cycles for any balance transfers made in the first 60 days

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Regular
APR

16.24% - 26.24%

Variable APR on purchases and balance transfers

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • No annual fee
    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
    • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
    • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
    • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
    • No expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
    • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% Introductory APR on purchases for 12 billing cycles

Intro APR for Balance Transfer

0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days

Regular APR

16.24% - 26.24% Variable APR on purchases and balance transfers

Annual Fee

$0

Citi Simplicity® Card - No Late Fees Ever

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%*

for 21 months

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Regular
APR

16.24% - 26.24%*

(Variable)

Annual
Fee

$0*

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • The ONLY card with 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
    • 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 balances, are paid in full
    • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
    • The same great rate for all balances, after the introductory period
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%* for 12 months on Purchases*

Intro APR for Balance Transfer

0%* for 21 months on Balance Transfers*

Regular APR

16.24% - 26.24%* (Variable)

Annual Fee

$0*