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Smart Chip Cards

Credit cards with smart chips offer better security for cardholders unlike typical cards with just a magnetic strip. Get ahead of the curve and apply for one of these cards from our partners today.


Chase Sapphire Preferred Card
Read ReviewApply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Our Review: Travel credit cards are a great way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offers and premium travel benefits. Read on to see if the Sapphire Preferred's annual fee is worth it for you... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 24.24% Variable
$0 Intro for the First Year, then $95

Chase Freedom Unlimited
Read ReviewApply for Chase Freedom Unlimited
At Chase's Secure Site
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Our Review: With 1.5% cash back and no annual fee, does Chase Freedom Unlimited live up to the hype? Read this in-depth review to see how it stacks up... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
16.24% - 24.99% Variable
$0

Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Our Review: If you want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
14.24% - 25.24% Variable
$0

The Amex EveryDay Credit Card from American Express
Read ReviewApply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 24.24%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards$0 Fraud Liability
Our Review: If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the Amex EveryDay® Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
14.24% - 24.24% Variable
$0

Blue Cash Preferred Card from American Express
Read ReviewApply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Our Review: If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred® Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
14.24% - 25.24% Variable
$95

Barclaycard Arrival Plus World Elite Mastercard
Read ReviewApply for Barclaycard Arrival Plus World Elite Mastercard
At Barclaycard's Secure Site
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
  • There is a fee for balance transfers.
Introductory Bonus Airline RewardsTravel RewardsAirline RewardsHotel RewardsCar Rental RewardsNo Expiration on RewardsTravel Accident InsuranceEmergency Assistance
Our Review: Is this 2x miles credit card worth the $89 annual fee? Read on to see how the Barclaycard Arrival Plus® World Elite Mastercard® compares with other top travel rewards credit cards... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% for 12 months (on balance transfers made within 45 days of account opening)
17.24%, 21.24% or 24.24% Variable
$89 - Waived first year

Chase Sapphire Reserve
Read ReviewApply for Chase Sapphire Reserve
At Chase's Secure Site
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Our Review: An ultra premium travel credit card has arrived: the Chase Sapphire Reserve. Is it worth the $450 annual fee? Read this review to decide... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 24.24% Variable
$450

Starwood Preferred Guest Credit Card from American Express
Read ReviewApply for Starwood Preferred Guest Credit Card from American Express
At American Express' Secure Site
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionTravel Accident Insurance$0 Fraud Liability
Our Review: Do you like to travel? Starwood Preferred Guest® Credit Card from American Express earns points that you can redeem for hotel stays and flights. Plus, there's a signup bonus! But the card has an annual fee. Read on to find out if the SPG card is still worth considering... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.49% - 20.49% Variable
$0 introductory annual fee for the first year, then $95

Gold Delta SkyMiles Credit Card from American Express
Read ReviewApply for Gold Delta SkyMiles Credit Card from American Express
At American Express' Secure Site
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
Our Review: There are many credit cards that earn Delta miles to choose from, so how do you decide if the Gold Delta SkyMiles® Credit Card from American Express is right for you? Read this review before you apply... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.99% - 25.99% Variable
$0 introductory annual fee for the first year, then $95

The Platinum Card from American Express
Read ReviewApply for The Platinum Card from American Express
At American Express' Secure Site
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud LiabilityIdentity Theft Assistance
Our Review: Is the Platinum Card® from American Express worth the $550 annual fee? Read this in-depth review to help you decide... Read full review
Card TypeAnnual Fee
Personal Charge Card
$550

Articles on Smart Chip

    What Are Chip Credit Cards

    By Rebecca Lake - Tips
    There's a lot a talk about smart chip credit cards. Do you need to ask your credit card issuer to upgrade your card? We explain what these cards are in simple terms.


About CreditDonkey®
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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