US Bank chip and pin (smart card) available for everybody?

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Gingerbread Boy
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US Bank chip and pin (smart card) available for everybody?

Postby Gingerbread Boy » Mon Nov 21, 2011 5:19 pm


Does anyone have experience applying for and receiving a U.S. Bank FlexPerks Travel Rewards Visa Credit Card? I read about the card in a story posted November 6, 2011. I don't know if it's allowed to post links.

Do you have the card with the chip and pin (smart card)? I would prefer a mastercard but there doesn't appear to be mastercard chip and pin (smart card) for the average man. I called Chase and the rep said that their chip and pin card (smart card) is by invitation only.

If so, is the U.S. Bank FlexPerks Travel Rewards Visa chip and pin card (smart card) only for particular customers or anybody that requests one?



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Postby Pete838 » Tue Nov 22, 2011 10:17 pm

Chip & Pin hasn't made it mainstream in the US yet, and the only people that would even benefit from it would be frequent travelers that visit Europe and Asia. Canada is introducing the technology, but is doing it poorly. Some banks have been doing trial rollouts of the C&P cards, but they have been invite only.
The problem with C&P initially is this: As long as a card is 'dual mode', as in C&P or magstripe, it will always be unsecure. C&P requires the entry of a pin assigned to the card and is very secure Without the pin the card won't work; and the pin code is not stored on the card. Magstripe is swipe, sign (sometimes) and go. If a thief has a choice, will they use the C&P, or the magstripe?
We probably won't see C&P technology in the US for a long time, because all of the credit card machines (millions of them) would need to be replaced, and electronic payment systems changed over. The real value in a C&P card for US citizens is in travel, as magstrip cards are being accepted less frequently abroad.
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Postby dustinkirk » Mon Jun 18, 2012 12:05 am

I have a US Bank Flexperks Visa Signature with chip and pin. It is standard for their signature travel card.

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