Your Discover card with chip technology

Chip Card Chip Card

What is chip technology?

Chip technology is a security standard for in-store payment transactions that is now being adopted in the U.S.

  • Easy to UseIt's your same card - so use it just like before. Once retailers adopt this technology, the terminals will prompt you to insert your card.
  • Added SecurityThe chip helps protect against fraud because it creates unique transaction data when the card is used at chip-enabled terminals in stores and at ATMs.
  • Same Fraud ProtectionAs always, you're never responsible for unauthorized purchases on your Discover card.
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See how Discover can give you an added layer of fraud protection.

How can I get a Discover card with chip?

We will be sending updated cards to cardmembers throughout 2016 so that you'll be ready as retailers begin adopting chip technology. Click "Request Yours Now" or call the number on the back of your card.

Request Yours Now

Where can I use it?

Use it everywhere you do today. When a retailer updates their terminals to accept chip payments, just insert your card instead of swiping the magnetic stripe.

Chip card

At retailers that are ready

Insert Chip Card

Insert Chip Card

Place chip end of card face up into the terminal.

Follow The Prompts

Follow the Prompts

Provide your signature, if requested. No PIN required, except at ATMs.

Remove Your Card

Remove Your Card

Take card out of the terminal when prompted, or after the transaction is complete.

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At retailers that don't have chip-enabled terminals yet, swipe your card's magnetic stripe just like before.

Phone or online purchases: No changes. Simply complete your transaction as you do today.

If you are a retailer looking to adopt chip cards, learn more now.


What is chip technology?

Also known as EMV or smart chip technology, it provides added security at store terminals and ATMs. Many countries have already adopted chip technology. And now, U.S. merchants and card issuers are starting to adopt it, too.

How do I use a chip card?

One of two ways. At retailers that are ready, you'll insert your card to pay using the chip. At retailers not yet able to accept chip payments, you'll swipe the magnetic stripe on the back of your card like usual.

When do I swipe? When do I insert?

When in doubt, swipe your card. If the terminal is chip‑enabled, it will recognize that your card has a chip and will prompt you to insert it instead.

Where can I use my Discover card with chip technology?

Use it everywhere you do today. When a retailer updates their terminals to accept chips, just insert your card instead of swiping the magnetic stripe.

Do chip payments require signatures? Or PINs?

Your new Discover card with chip technology is a chip & signature card, which means you might be prompted for a signature to complete your purchase, depending on the transaction. As before, your card only requires a PIN if you request a cash advance at an ATM.

I want a Discover card with chip technology. How can I get one?

You can request your chip card by selecting the "Request Yours Now" orange button at the top of this page.

If I request a chip card, will my account information change?

Your account number stays the same. Your expiration date and/or 3-digit security code might change. After you activate your chip card, just contact any automatic bill pay merchants to update your card information.

How does the chip work?

When you insert your card at a chip-enabled terminal, the embedded microchip generates unique, dynamic data for each transaction. This makes it difficult for fraudsters to duplicate your account information, which in turn, can reduce the risk of fraudulent charges on your account.

What are the benefits?

Chip payments provide security features not possible with traditional magnetic stripe cards. As a result, it is more difficult for hackers to copy and use your credit card information.

Does this mean my other card is less secure?

The magnetic stripe on your chip card is no more, or less, secure than the stripe on your old card. However, your card's new chip, when used at chip-enabled terminals, helps protect your information and is a step forward in card security.

Are chip payments contactless, or a type of NFC payment?

No. Your Discover card with chip technology requires contact with the terminal's chip reader. Waving your card in front of the terminal will not work.

Can I keep my old card and have a chip card, too?

Your Discover card with chip technology replaces your other card. Once you activate your chip card, which also has a magnetic stripe, your old card will be de-activated in 30 days.