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Chip Card

Learn about Chip Cards
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How can I get a Discover Card with chip?

We will be sending updated cards to cardmembers so that you'll be ready as retailers begin adopting chip technology. Request your chip card now.

What is a chip card?

A chip card is a standard plastic credit or debit card with a microchip. Chip payments make your transactions more secure when you use your card at merchants with chip-enabled terminals.

What is a chip-enabled terminal?

It is a point-of-sale terminal that is equipped and programmed to accept chip-card payments. As chip technology is adopted in the U.S., chip-enabled terminals will be available in more merchant locations. These terminals are able to accommodate both chip cards and magnetic-stripe-only cards.

What makes chip cards more secure?

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.

Why chip technology? Why now?

EMV-enabled—or "smart chip"—technology is a set of global standards that provides security features not possible with traditional magnetic-stripe cards. Many countries have already fully adopted EMV technology. And U.S. merchants and card issuers are now adopting it, too.

How do I use a chip card?

You can use them one of two ways. If you are not at a merchant location that has chip-enabled terminals, you can swipe using the magnetic stripe on the back of your card as usual. 

At merchant locations that already accept chip payments, you'll be prompted to insert your card into the chip-enabled terminal. Be sure to leave the card in the terminal until the transaction is completed.

Security & Fraud

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