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Over the Past 60 Days!
0% Intro APR
0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable APR.
Rewards
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically*
Cashback Match™
Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Cash Back
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rates & Fees
No Annual Fee & a Low Regular APR
Cash Back Details
No rotating categories and no caps on cash back
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Double Cash Card – 18 month BT offer
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
Intro APR
0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)
Cash Back Details
No minimums for redeeming and cash back won't expire for the life of the account
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Quicksilver Cash Rewards Credit Card
Bonus Miles
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Rewards Rate
2 Miles per dollar on every purchase, every day
Extra Perks
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Typical Credit Needed
Annual Fee
$95
Card Brand
Visa®
See additional details for Capital One Venture Rewards Credit Card
Bonus Miles
Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Rewards Rate
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
0% Intro APR
0% intro for 14 months on purchases, then 11.99% - 22.99% Variable APR
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Miles
Bonus Rewards
60,000 bonus points
Rewards Rate
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide
Bonus Perks
Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Typical Credit Needed
Annual Fee
$95
Card Brand
Visa®
See additional details for Chase Sapphire Preferred® Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
EMV credit cards, also known as chip-and-PIN cards, are credit cards that come with a small microprocessor chip embedded in the credit card. EMV stands for Europay, MasterCard, and Visa, who are the pioneers of this technology. This technology works the same as traditional magnetic strip credit cards in that it still stores the credit card numbers and expiration dates. What’s different, though, is that transactions are encrypted each time the card is used, making it extremely difficult for thieves to steal information.
EMV technology was slow to catch on in the United States due to the high cost of converting credit card readers like ATM’s and POS systems. With the increase in data breaches and the billions of dollars lost to fraudulent card activity, the United States will finally be switching to the more secure EMV credit card technology in 2015.
EMV cards can be either a chip-and-PIN card or a chip-and-signature card. Chip-and-PIN cards will work very similar to your bank’s debit card where a PIN is required to process a payment in real-time, along with a signature. Most payment terminals won’t be immediately equipped for PIN’s, so for now you can expect your EMV card to work much like it already does. Find out more about EMV credit cards like how to get a PIN-and-chip credit card, by visiting our blog.