EMV CVM Database Show all cards

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Alliant Credit Union Ally Bank American Express Andrews Federal Credit Union Bank of America Barclaycard BBVA Compass Bank BMO Harris Bank California Coast Credit Union Capital One Charles Schwab Bank Chase Citibank City National Bank Discover First National Bank of Omaha First Premier Bank First Tech Federal Credit Union Goldman Sachs Harvard University Employees Credit Union HSBC ICBC Library of Congress Federal Credit Union Navy Federal Credit Union Nusenda Credit Union Old Second National Bank Patelco Credit Union PayPal Pentagon Federal Credit Union PNC Bank Provident Bank San Francisco Federal Credit Union Santander Bank SchoolsFirst Federal Credit Union Service Credit Union SF Fire Credit Union Square State Department Federal Credit Union State Employees Credit Union (North Carolina) STCU SunTrust Bank Synchrony Bank TD Bank Titonka Savings Bank Transferwise U.S. Bank United Nations Federal Credit Union USAA Venmo Veridian Credit Union Wells Fargo Bank Rewards Program:

None Cash Rebate Mortgage Rebate Statement Credit/Purchase Eraser Alaska Airlines Mileage Plan Alliant Rewards American Airlines AAdvantage American Express Membership Rewards Apple Rewards Asiana Club Miles Avios Bank of America WorldPoints Barnes & Noble Gift Card Carnival FunPoints Chase Ultimate Rewards Choice Privileges Citi ThankYou Rewards City National Rewards Club Carlson CURewards Delta Air Lines SkyMiles Diamond Plus Points Diners Club Rewards Disney Rewards Expedia+ Rewards Extra Awards First Tech Rewards Flexpoints Rewards Frontier Airlines EarlyReturns Gap Rewards Go Far Rewards Harvard Alumni Card Rewards Hawaiian Airlines HawaiianMiles Hilton Honors Holland America Line Rewards HSBC Rewards Hyatt Gold Passport IHG Rewards JetBlue Airways TrueBlue Korean Air SKYPASS Lowe's Business Rewards Marriott Bonvoy Miles & More MyCruise Rewards Navy Federal Rewards Nordstrom Rewards Nusenda Rewards O2 Rewards Patelco Rewards PenFed Pathfinder Rewards PenFed Platinum Rewards PenFed Premium Rewards Plenti Princess Cruises Rewards RCI Elite Rewards Santander Rewards SchoolsFirst FCU Member Rewards Southwest Airlines Rapid Rewards Spirit Airlines Free Spirit STCU Rewards SunTrust Rewards The Ritz-Carlton Rewards U.S. Bank Altitude Points U.S. Bank FlexPerks U.S. Bank Perks+ Uber Cash UNFCU Rewards United Airlines MileagePlus United TravelBank USAA Rewards Virgin Atlantic Flying Club Wyndham Rewards Features: No Annual Fee

No Foreign Transaction Fee

Contactless Offline PIN

Online PIN

Signature

No CVM Priority: No Preference PIN Signature Card Type: Credit Debit Prepaid

For over a year now, banks in the United States have been rolling out credit cards with chips. These cards are known as EMV cards. These cards are sometimes called "Chip and PIN" credit cards, but in fact many of them will ask for a signature rather than a PIN. Some cards will ask for a signature in some cases and PIN in others. It all depends on what Cardholder Verification Methods, or "CVMs", the card supports, and in what priority order they are listed on the card.

Why does this matter? In the United States, most people today are used to swiping their card, then signing a receipt or digital pad. As such, most EMV credit cards being issued in the US are primarily Chip and Signature, so it's not a big deal. However, in other countries, EMV credit cards have been in use for several years and in many of them, Chip and PIN is standard. Most people there are used to entering a PIN rather than signing, and some merchants refuse to accept a card when the customer is prompted to sign. In addition, there are some places, particularly unattended locations like gas pumps and public transit ticket machines, that are set up to require a PIN. So Americans travelling to other countries may wish to obtain a credit card that supports a PIN.

Unfortunately, most banks do not advertise what CVMs their cards support. And different people have different things they care about, so there's no one "best" card. Instead, this site aims to collect basic data about EMV credit cards being issued in the United States and allow visitors to search based on that data to find the card that suits their needs.

The operators of this site wish to express their thanks to the members of the FlyerTalk discussion board, through which they've learned a lot about EMV and from which much of the data from this site was extracted.

Regarding Debit cards: Most debit cards are listed twice, once for the CVM list that applies if you select "debit" at checkout (when you'd normally enter a PIN with a magstripe debit card) and a second time for the CVM list that applies if you select "credit" at checkout (when you'd normally sign with a magstripe debit card). The "debit" CVM list is shown with the "Debit" network, and the "credit" CVM list is shown with the Visa or MasterCard (as appropriate) network. From what we've seen, most US banks are issuing debit cards with CVM lists that mimic the behavior of their magnetic stripe cards: If you choose "credit" you'll sign, and if you choose "debit" you'll enter a PIN.

Don't see your card?: You might look to see if the database has other cards issued by the same bank. From what we've seen, most issuers are using the same CVM list across all their cards. In cases where banks issue cards across multiple brands, sometimes the CVM list varies by brand. For example, Pentagon Federal Credit Union Visa cards have a different CVM list than their American Express cards. If you have access to a card reader, you can try using Cardpeek to see the CVM list; if you're able to do this we'd love to add your card.

Updates, additions, corrections, and other questions may be submitted via this contact form.

Other information:

Cardpeek Tutorial - A tutorial showing how to use Cardpeek to read the CVM list from a card.

FlyerTalk's USA EMV Card Discussion - Includes an overview of EMV and an ongoing discussion of EMV cards and their use in the United States and abroad. 2012-2015 2016 2017 to present

EMV Accepted Here - A map showing US merchants that are processing EMV transactions using the chip.

ChipCards Subreddit - News and discussions about EMV migration.

Cardpeek - A free application to read information from smart cards, including EMV cards.

EMV-Kartentest - A similar site for German and other European credit cards.

Disclaimers: