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There are two big frustrations with using credit cards when traveling abroad: nasty foreign transaction fees and not having your card accepted because it doesn’t have an EMV ‘chip’ built-in.
If you travel to Europe frequently you’re probably used to the hassle, thanks to Europe’s wide use of the ‘Chip + PIN’ method of accepting credit card transactions.
Many European merchants and vending machines won’t accept a signature or personal ID as verification of a credit card transaction. So in order to use a credit card with these merchants you need a credit card that has an EMV chip built-in *and* a PIN associated with it.
There are a good number of U.S. credit cards that have an EMV chip, but nearly all still rely on you signing a receipt to verify, because they don’t have the additional PIN based verification system.
That’s not good enough because you could still be stuck unable to use your cards at some vendors, especially automated kiosks that only accept a transaction with a PIN. That’s because kiosks don’t have a human to verify your signature. And some shops and restaurants may refuse a signature-only transaction.
To make matters worse, among the cards that do offer the PIN option, most charge foreign transaction fees of 1-3% on all foreign purchases, which shouldn’t be a price to pay for convenience.
Instead, ignore the noise and focus on these cards that have a PIN option so you can use them at kiosks and not worry about foreign transaction fees. Most however will default to asking for a signature if it’s available, for example at stores and restaurants where an attendant is present.
It’s getting easier to get by without a PIN though. More and more banks are letting transactions under $50 or so at many kiosks go through, and letting you avoid using a PIN, but if you want the most acceptance, get a card with a PIN attached like these.
Most of these cards default to using a signature first, but will fall back to a PIN in places where a signature is not possible.
PIN priority with no annual fee and no foreign transaction fees. Join the Financial Fitness Association – $8 – link here – to be eligible for the credit union.
PenFed Power, Platinum Rewards, Promise, & Gold Visa
No annual fee. Donate $15 to Voices for America’s Troops – link here to be eligible for the credit union. You can earn 2% cash back with the PenFed Power card if you open an Access America checking account, which has no fee if you keep a $500 balance.
No annual fee. Has a PIN available as a backup.
No annual fee and PIN ready. Earns Wyndham Rewards points, and 15,000 points gets you a free night at any Wyndham worldwide.
No annual fee and PIN ready. All cards issued by Barclaycard have a chip with a PIN enabled.
State Department Federal Credit Union EMV Visa Platinum
No annual fee. Join the American Consumer Council – free – link here to be eligible for the credit union.
Andrews Federal Credit Union Platinum Rewards Visa
No annual fee. Join American Consumer Council – free – link here – to be eligible for the credit union.
Barclaycard Arrival Plus World Elite MasterCard
$89 annual fee – Waived first year
Diners Club Premier (closed to new applicants)
$95 annual fee. Earns points that transfer to Alaska, Delta, and several other airlines. PIN priority – will always default to a PIN transaction when available for maximum security.
Diners Club Card Elite (closed to new applicants)
$300 annual fee. PIN priority – will always default to a PIN transaction when available for maximum security.
Hawaiian Airlines World Elite MasterCard
$89 annual fee.
Wells Fargo Propel World American Express Card
$175 annual fee, waived the first year.
UN Federal Credit Union Elite
$50 annual fee. PIN priority – will always default to a PIN transaction when available for maximum security. Join the UNA-USA for $25 to be eligible for the credit union.
This UN card has a 1% foreign transaction fee
Chase was planning to introduce PIN capability on its cards with EMV chips, but backed down, opting for regular EMV chip and signature.
One caveat to each of the above cards is that they default to signature verification first. So if you’re at a restaurant that has a person to verify a signature it will use that method instead of asking for a PIN. That’s fine for most situations, but some establishments may refuse to process your charge because they only want PIN based verification. Unfortunately there is no way to override the terminal to force a PIN transaction at manned locations. But of all the issues with Chip / PIN this is probably the least frequent.
There are also many Chip and Signature cards available to you with no foreign transaction fees. They won’t help you at kiosks, but they can be helpful at places that won’t read the old style magnetic stripe.
There are many other Chip and Signature cards that charge foreign transaction fees. We think those should be avoided with so many options available that waive the foreign fees.
A constantly updated discussion of Chip based credit cards is on FlyerTalk.com.
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