Tiny chip.
Big security.

Your Barclays credit card,
now with chip technology.

Learn more about your chip card.

Many Barclays credit cards now feature chip technology – to make paying for your purchases more secure and convenient in the U.S. and abroad.

Watch the video

Chip-card benefits.



Keep your transactions safe.

Your chip card stores your account information on a tiny microchip embedded in the plastic. When you make purchases at chip-card terminals, the chip:

  • Protects your account information.
  • Reduces the risk of fraud.
  • Makes your card difficult to counterfeit.

Enjoy the convenience of traveling with your chip card.

Chip technology is now standard in more than 130 countries around the world:

  • Mexico, Canada and popular destinations throughout Europe, Asia, Australia and Latin America already support chip.
  • U.S. merchants are quickly switching to chip – which means your card can help you make more secure purchases practically anywhere you go.

Use your card every time you pay, at any type of terminal.

No matter where you use your card, you’re covered by our $0 Fraud Liability protection:

  • In addition to a chip, your card also has a magnetic stripe, so you can swipe to pay at merchants that don’t support chip transactions.
  • PIN capability lets you use your card at self-service chip terminals for maximum global acceptance.

Whether you pay using chip technology, or swipe your card, you can be confident knowing you’re covered by our $0 Fraud Liability protection for any unauthorized transactions you report to us.

How to use your chip card.



At chip-card terminals:

  • Step 1

    Insert your card into the reader – chip side up and chip end in – and leave it there until your transaction is complete.

  • Step 2

    When prompted, confirm your purchase amount.

  • Step 3

    In most cases, you’ll then be prompted to sign for your transaction. But at self-service terminals like ticket kiosks and some gas pumps, you may need to enter your 4-digit PIN.

  • Step 4

    Remove your card from the reader when prompted, and take your receipt.

At traditional magnetic-stripe terminals:

It's simple! Just swipe and sign as you always have. (There's also no change for online and phone purchases.) But remember, since U.S merchants are quickly making the switch to chip, you'll use your magnetic stripe less often as time goes by.

Flexibility is a wonderful thing.

Your chip card works with all types of payment authorizations:

  • Chip & signature – at most checkout counters
  • Chip & PIN – at self-service terminals like ticket kiosks and some gas pumps
  • Chip & no verification – mostly on low-value purchases

What you need to know about your PIN.



Be sure to create your PIN.

We assigned a 4-digit PIN to your account when it was opened, and we encourage you to change it to something easy to remember, difficult to guess. When activating your card online or by phone, you’ll be prompted to create a PIN. You won’t need to know your assigned PIN to customize it.

Then activate it.

If you change your PIN, it won’t take effect until you use your card at a chip-card terminal with a cashier. Your first transaction will activate the PIN. You’ll then be able to use the chip-and-PIN feature at self-service chip-card terminals, when required.

Your PIN will work at ATMs, too.

You can use your PIN to withdraw cash at ATMs in the U.S. and worldwide. Your Cash Advance Annual Percentage Rate (APR) will apply. Please note that there is only one PIN assigned to your account. As the primary cardmember, you can share your PIN with authorized users, at your discretion.

Chip-card Q&A.

THE BASICS
No. The chip in your credit card is designed for use at chip-card terminals, and it will not work in a contactless environment.
Using my chip card
At traditional magnetic-stripe registers, you’ll see no change. You’ll swipe your card and sign just as you do today. But at merchants that use chip-card terminals, you’ll insert your card into a slot in the card reader, and you’ll leave it there until your transaction is complete. Most of the time, you’ll sign for your transactions. At self-service terminals like ticket kiosks and vending machines, you may be prompted to enter your PIN.

For complete information, see “How to use your chip card” (above), or watch this video.
Setting up and using my PIN

Although we assigned a 4-digit PIN to your account when we opened it, we encourage you to change your PIN to something easy to remember, difficult to guess.

  • If you activate your new card online, you’ll be prompted to create a PIN. You won’t have to know your existing PIN to create a new one.
  • If you call us to activate your new card, you can also create a PIN, or you can request to have your assigned PIN mailed to you. You can also manage your PIN anytime by visiting the customer service website listed on the back of your card. After you log in, go to the Manage your PIN section.

Please note that if you create a new PIN, you’ll have to sign for your first transaction at a chip-card terminal with a cashier. After your first chip transaction has been completed, your PIN will be activated and you’ll be able to use your card at self-service terminals where a PIN is required.

You can also use your PIN for cash advances at ATMs in the U.S. and around the world. Your Cash Advance Annual Percentage Rate (APR) will apply. Remember that there is only one PIN for your account. As the primary cardmember, you can share your PIN with authorized users, at your discretion.

Just go to Account Settings/Manage Your PIN to change your PIN. You won’t need to know your current PIN to change it. Also, you can call the number on the back of your card and request to have your PIN mailed to you.

Traveling with my chip card
Yes. Before your trip, please let us know where you’ll be going and for how long. This will help prevent us from placing temporary holds on your account when we notice unusual foreign transactions. You can contact us through your Barclays US account page – online and mobile – or through our mobile app. Just log in to your account and go to Tools/My Travel to tell us your travel plans. You can also call us at the number on the back of your card.

Be sure to take our international customer service phone number with you in case you run into any problems using your card overseas. In an emergency, call us – collect – at 001-302-255-8888.
Magnetic-stripe cards are often accepted in tourist resorts and cities, but not necessarily in smaller towns. In short, you’re more assured of acceptance with a chip card.
Your card is set up to request signature verification first. This is because many merchants don’t have PIN-verification software. You’re able to use your PIN at certain self-service terminals such as ticket kiosks and some gas pumps, in the U.S. and abroad.
Enhanced account security

No. The chip stores only your account information. It also encrypts transaction data when you use your card.

Not at all. You’re covered by our $0 Fraud Liability protection for any unauthorized transactions you report to us.