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Debit card (bank card) transactions in the US require a PIN. Credit cards require a signature but most gas stations require a zip code.

It would be nice if the US had PINs like Europe does for credit cards.

I make around $1500-$2000 a year in cash back from my credit cards and $195 in fees. 6% back for groceries, 3% for gas, 3% on online shopping, and 3% for restaurants. All my household utilities and bills are run through my Delta card to collect miles and a $200 yearly voucher.






> It would be nice if the US had PINs like Europe does for credit cards.

Some cards do offer this feature, all issued by credit unions as I recall. Spokane Teachers Credit Union, First Technology Federal Credit Union, and State Department Federal Credit Union are the three I know off the top of my head. Target's MasterCard version of its REDcard also has a PIN but you cannot apply for that card directly.

(I have cards from each of them, except SDFCU, and have considered getting that one simply because it would be a chip-and-PIN Visa card and I don't have that particular combination.)


Chip and PIN is exactly what I want. I’ll see if my credit union offers one, Delta Community Credit Union.

I have six CC , my total AF for them is $2500. Every year I got at least $6500 back from using those cards. Not to mention travel insurance, car rental insurance and purchase insurance which comes with those cards and it's worth at least $600 a year.



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