EMV Chip Technology at PenFed

PenFed Credit and Debit cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-enabled terminal. Your new card is not only more secure—it’s also easy to use. Here’s what you can look forward to as a cardholder.

Enhanced fraud protection.

When you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global acceptance.

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa® and American Express® cards are accepted.

Easy to use.

Simply swipe your card like you do today. However, if a chip-enabled terminal is available, insert your card instead and follow the prompts. See detailed steps to the right.

Image of string on a finger 

Keep in mind, you can continue to use your chip card online and over the phone…the same way you do today.


Answers to questions about chip technology:

Q: What is EMV?
A: EMV stands for Europay, MasterCard, and Visa. These three companies were the original companies to begin the technical standard for chip cards.

Q: What is a chip card?
A: A chip card is a standard-size plastic card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal. PenFed cards now feature chip technology. You'll enjoy global acceptance plus an enhanced level of security.

Q: How does chip technology protect my information?
A: Whenever you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Q: Where can I use a chip card?
A: You can use your card at millions of places that accept Visa® and American Express® cards, at home and around the world.

Q: Can I still swipe my card to pay?
A: Yes. If a merchant or ATM is not yet chip-enabled, you can continue to swipe your card.

Q: How do I use my PIN (Personal Identification Number) at a merchant terminal? 
A: At the merchant terminal, following the dipping of your card, if a PIN is required the terminal will guide you with the steps for PIN entry.

Q: Why is the terminal not asking for my PIN?
A: PenFed cards have the capability of requiring a signature and accepting a PIN. However, if the merchant terminal has the capability of accepting a signature, the transaction will default to signature. If the merchant accepts only a PIN, the PIN will be required.

Q: How do I get a PIN if I don’t already know it?
A: If you would like to have your PIN reissued, please call us at 800-247-5626 (Visa Cardholders) or 800-732-8268 (American Express Cardmembers). If you have a Visa Debit Card you should have selected your PIN as the time of card ordering. If you do not remember the PIN for your Debit Card, call us at 800-247-5626 to have a new card and PIN ordered for you.

You will find that with EMV chip card use outside of the US, requirement of PIN entry is more prevalent than inside the US.


Don't have a Card?

Pick a card, any card! All PenFed Credit Cards feature EMV chip technology. While you can’t go wrong with any of our cards, you can earn rewards points on every purchase with the PenFed Platinum Rewards Visa Signature® Card. See details below.

Visa Signature - Get Ready for EMV and Earn Rewards on Everyday Purchases.  

See how easy it is to pay at a chip-enabled terminal


Insert the chip end of your card into the merchant terminal with the chip facing up.

Chip card being inserted into an EMV enabled terminal

Keep your card in the terminal and follow the prompts.

Card processing in an EMV enabled chip terminal

Remove your card when prompted and take your receipt.

Card being removed from an EMV enabled chip terminal  
Image of string on a finger 

Keep in mind, if a merchant is not yet chip-enabled, you can still swipe your card to pay. 


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