Credit Cards with EMV Smart Chips

Find credit cards from Mastercard that contain EMV chip technology (also referred to as smart chips). Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases1
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back — up to 10,000 AAdvantage® miles each calendar year*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A16.99% - 24.99%* (Variable)$95, waived for first 12 months*Excellent/Good

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Credit Needed
Excellent/Good
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases1
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back — up to 10,000 AAdvantage® miles each calendar year*
Purchases
Intro APR
N/A
Regular
APR
16.99% - 24.99%* (Variable)
Annual
Fee
$95, waived for first 12 months*

Citi® Diamond Preferred® Card

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0%* for 21 months*0%* for 21 months*13.99% - 23.99%* (Variable)$0*Excellent/Good

Citi® Diamond Preferred® Card

Credit Needed
Excellent/Good
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
Purchases
Intro APR
0%* for 21 months*
Regular
APR
13.99% - 23.99%* (Variable)
Annual
Fee
$0*

Barclaycard Arrival Plus® World Elite Mastercard®

  • 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, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/A0% for 12 months (on balance transfers made within 45 days of account opening)16.99%, 20.99% or 23.99% Variable$89 - Waived first yearExcellent

Barclaycard Arrival Plus® World Elite Mastercard®

Credit Needed
Excellent
  • 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, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.
Purchases
Intro APR
N/A
Regular
APR
16.99%, 20.99% or 23.99% Variable
Annual
Fee
$89 - Waived first year

Citi® Double Cash Card — 18 month BT offer

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/A0% for 18 months*14.49% - 24.49%* (Variable)$0*Excellent/Good

Citi® Double Cash Card — 18 month BT offer

Credit Needed
Excellent/Good
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Purchases
Intro APR
N/A
Regular
APR
14.49% - 24.49%* (Variable)
Annual
Fee
$0*

Citi ThankYou® Premier Card

  • Earn more on travel purchases - redeem points for meaningful rewards
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center or for gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A15.49%-24.49% (Variable)$95, waived for first 12 months*Excellent Credit

Citi ThankYou® Premier Card

Credit Needed
Excellent Credit
  • Earn more on travel purchases - redeem points for meaningful rewards
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center or for gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
Purchases
Intro APR
N/A
Regular
APR
15.49%-24.49% (Variable)
Annual
Fee
$95, waived for first 12 months*

Citi Simplicity® Card - No Late Fees Ever

  • The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% 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
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0%* for 21 months*0%* for 21 months*14.99% - 24.99% (Variable)$0*Excellent/Good

Citi Simplicity® Card - No Late Fees Ever

Credit Needed
Excellent/Good
  • The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% 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
Purchases
Intro APR
0%* for 21 months*
Regular
APR
14.99% - 24.99% (Variable)
Annual
Fee
$0*

Citi® / AAdvantage® Executive World Elite™ Mastercard®

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and guests with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A16.74%-24.74%* (Variable)$450Excellent Credit

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Credit Needed
Excellent Credit
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and guests with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation*
Purchases
Intro APR
N/A
Regular
APR
16.74%-24.74%* (Variable)
Annual
Fee
$450

ABOC Platinum Rewards Credit Card

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.90% - 23.90%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0% for 12 monthsN/A13.90% - 23.90% Variable APR on purchases and balance transfers$0Good/Excellent

ABOC Platinum Rewards Credit Card

Credit Needed
Good/Excellent
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.90% - 23.90%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Purchases
Intro APR
0% for 12 months
Regular
APR
13.90% - 23.90% Variable APR on purchases and balance transfers
Annual
Fee
$0

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A16.74%-24.74% (Variable)$95, waived for the first 12 months*Excellent/Good

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Credit Needed
Excellent/Good
  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
Purchases
Intro APR
N/A
Regular
APR
16.74%-24.74% (Variable)
Annual
Fee
$95, waived for the first 12 months*

Citi ThankYou® Preferred Card for College Students

  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0%* for 7 months on Purchases*N/A15.49% - 25.49%* (Variable)$0*Good Credit

Citi ThankYou® Preferred Card for College Students

Credit Needed
Good Credit
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Purchases
Intro APR
0%* for 7 months on Purchases*
Regular
APR
15.49% - 25.49%* (Variable)
Annual
Fee
$0*

Expedia®+ Card from Citi

  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access™ hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A15.99% - 23.99%* (Variable)$0*Excellent Credit

Expedia®+ Card from Citi

Credit Needed
Excellent Credit
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access™ hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
Purchases
Intro APR
N/A
Regular
APR
15.99% - 23.99%* (Variable)
Annual
Fee
$0*

Citi® Secured Mastercard®

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A23.49%* (Variable)$0New to Credit

Citi® Secured Mastercard®

Credit Needed
New to Credit
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
Purchases
Intro APR
N/A
Regular
APR
23.49%* (Variable)
Annual
Fee
$0

Citi ThankYou® Preferred Card

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • After that, the variable APR will be 14.49% - 24.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0%* for 15 months on Purchases0%* for 15 months on Balance Transfers14.49% - 24.49%* (Variable)$0*Excellent Credit

Citi ThankYou® Preferred Card

Credit Needed
Excellent Credit
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • After that, the variable APR will be 14.49% - 24.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Purchases
Intro APR
0%* for 15 months on Purchases
Regular
APR
14.49% - 24.49%* (Variable)
Annual
Fee
$0*

Expedia®+ Voyager Card from Citi

  • Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening*
  • Points redeemable for $350 towards your stay at a +VIP Access™ hotel
  • 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 2 Expedia+ bonus points per $1 spent on dining out and entertainment*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ gold status each year of cardmembership*
  • $100 Annual Air Travel Fee Statement Credit can be used toward airline incidentals or for either the Global Entry or the TSA Pre √® application fees*
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A14.99% - 22.99%* (Variable)$95*Excellent Credit

Expedia®+ Voyager Card from Citi

Credit Needed
Excellent Credit
  • Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening*
  • Points redeemable for $350 towards your stay at a +VIP Access™ hotel
  • 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 2 Expedia+ bonus points per $1 spent on dining out and entertainment*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ gold status each year of cardmembership*
  • $100 Annual Air Travel Fee Statement Credit can be used toward airline incidentals or for either the Global Entry or the TSA Pre √® application fees*
Purchases
Intro APR
N/A
Regular
APR
14.99% - 22.99%* (Variable)
Annual
Fee
$95*

Platinum

  • The Platinum MasterCard* is designed for people who want value from a credit card and to save with a low, variable interest rate**. This card provides you the flexibility to manage your finances every month.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
3.99% for 12 months3.99% introductory APR for twelve months after account opening. After that, your APR will be 7.50% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.3.99% introductory APR for twelve months after account opening. After that, your APR will be 7.50% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.No Annual Fee.Good

Platinum

Credit Needed
Good
  • The Platinum MasterCard* is designed for people who want value from a credit card and to save with a low, variable interest rate**. This card provides you the flexibility to manage your finances every month.
Purchases
Intro APR
3.99% for 12 months
Regular
APR
3.99% introductory APR for twelve months after account opening. After that, your APR will be 7.50% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual
Fee
No Annual Fee.

FirstRewards World MasterCard®

  • Earn one FirstReward point per dollar spent.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
3.99% for 6 months3.99% introductory APR for six months after account opening. After that, your APR will be 7.50% to 19.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.3.99% introductory APR for six months after account opening. After that, your APR will be 7.50% to 19.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.No Annual Fee.Excellent

FirstRewards World MasterCard®

Credit Needed
Excellent
  • Earn one FirstReward point per dollar spent.
Purchases
Intro APR
3.99% for 6 months
Regular
APR
3.99% introductory APR for six months after account opening. After that, your APR will be 7.50% to 19.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual
Fee
No Annual Fee.