I was just looking for a chip-and-pin card that I (as an American) could get for traveling to the UK and apparently there really isn't much out there. I think all of the US cards that support chip and pin prioritize signature over pin.
I also found this Visa page explaining that PIN isn't used in the US because it's too expensive:
I recently traveled to the states from Canada and was amazed at the number of places that didn't even have the infrastructure for chip & pin - I was at a popular tourist spot and it was all iPads & Square Readers.
Weird. The Square readers we have in Australia support both chip-and-pin and contactless (+pin for purchases > $100). Were they only using the cheaper audio-jack swipe readers in the US? (Not allowed here any more)
I've been using Apple Pay recently, and one annoyance I had was that one store when I paid (for a >$2k purchase) didn't ask for my PIN... it asked for a signature. And then of course I was meant to present my card for verification. And I couldn't... what?
Apple Pay lets you spend that much money? I think with Google Pay + my bank the limit is $100 / transaction, after which you have to use your card + pin (which, let's be honest, makes sense.
I can confirm that. I specifically signed up for FirstTech for their Chip and Pin cards. Their Mastercard is quite good for traveling and has Chip and Pin.
It was great when I was traveling in Iceland where pretty much every transaction was made with my card. It's a regional credit union, but I only had to visit a branch in person one time to change the PIN on my card.
First Tech security is pretty top notch. For online trnsacations over a certain amount they would ask for password verification.
I just wished online transactions owned it up for optional two factor online transactions, pin card transactions and SMS verifications for all transactions above $500.
First Tech's membership bar is quite low, I was surprised how easy it was to get my SO an account. The Zelle integration on the mobile app is pretty slick too!
I also found this Visa page explaining that PIN isn't used in the US because it's too expensive:
https://usa.visa.com/visa-everywhere/security/the-cost-of-pi...