Banking UX

Capital One and US Bank card mailers tout EMV chip

New US Bank and Capital One cards contain microchips to support EMV terminals. Image: Freepik
Written by Jim Bruene

A review of the accompanying marketing collateral for Jim Bruene’s new US Bank and Capital One cards, both containing microchips to support EMV terminals.

Last week, I received new credit cards from US Bank and Capital One, both containing microchips to support EMV terminals, the global standard finally rolling out in the US over the next few years. Given the world’s obsession with tech, it’s a good time for issuers to toot their own horns a bit.

Fig 1: Capital One EMV Mailer (front)

Fig 1: Capital One EMV Mailer (front)

The Capital One card mailer did a good job doing just that. The entire mailing package was built to highlight the changes. The copywriting was excellent and there were multiple avenues for interested consumers to read more about the new technology. In addition to the expected copy on the front of the card mailer (Fig 1, left), there was an FAQ on the back (Fig 2 below), and a brochure included in the package (not pictured). Capital One built an explainer page on its website, but unlike US Bank, the URL is buried in FAQs on the back of the mailer.

Fig 2 Capital One EMV Card Mailer (back)

Fig 2: Capital One EMV Card Mailer (back)

US Bank EMV card and mailer explainer

Fig 3: US Bank EMV card and mailer explainer

US Bank, on the other hand, took a less comprehensive approach with the mailer, but delivered much more on its website. The bank shoehorned an EMV explanation box onto the usual card mailer (Fig 3, left), and referred questions to an excellent explainer page on its website (Fig 4). Website visitors receive thorough explanations, how-to graphics, and a short video showing how to insert a chip card in a reader. And the bank’s explanation of the new technology was a little verbose. Here’s what it said:

NEW! Enhanced security with chip technology. Your new card now features greater fraud protection – built right in. Whenever the chip card is used with a chip-enabled terminal, a unique one-time code is created for the purchase to be approved. This is nearly impossible for counterfeit cards to duplicate, so you can shop with confidence. Plus, with more merchants around the world installing chip-enabled terminals every day, you have a more secure way to pay — wherever you go. See it in action at

The US Bank EMV Card Website

Fig 4: The US Bank EMV Card Website

All of the above could have been covered by one or two bullet points (for example, see Fig 1).

Recommended consumer messaging

Here’s what issuers should explain to their customers:

  • Your new card now contains a computer chip to help combat fraud.
  • When you visit a retailer with new chip-reading technology, you may need to insert it into the reader instead of swiping. Most likely, the clerk will show you how to do it, but if you would like to see it now, watch a 1-minute video at If they still have older equipment, just swipe as usual.
  • There are no changes to how you use our card online or through your mobile phone.
  • And no matter what technology the retailer is using, when using a US Bank card, you are always protected by our 100% fraud guarantee.
  • If you have questions, please email us at [email protected], visit, or call 1-800-mybanks ————
  1. Click on any of the above images for a more detailed view.
  2. Nowhere does either bank mention whether it’s a debit card or credit card. For customers with both, this should be clarified.
  3. Capital One moved the account number to the back, making for a very clean look. It’s also much easier to read when you’re manually inputting the card number into a website.
  4. I know it’s a pain from a support standpoint and probably has a horrible ROI, but I would sure appreciate an email address to ask specific questions. I have a ‘gold card’ for a reason, so an easy way to interact with customer service seems like reasonable expectation.
  5. I recently received a new card from Simple, and surprisingly it’s not chip-enabled. This sure doesn’t fit with it’s high-tech positioning.
  6. Why is my US Bank ‘Visa Gold Card’ now in 50 shades of blue (Fig 3, top left)? I like the new design, but it seems like a name change is in order.

This article is reproduced with kind permission. Some minor changes have been made to reflect BankNXT style considerations. You can read the original article here.

About the author

Jim Bruene

After developing the first major PFM-based online banking program at US Bancorp in the early 1990s, Jim Bruene went on to found two companies in the space: Online Banking Report and the Finovate conference series. He has been writing and geeking out on digital financial services nearly every day for more than 20 years and is currently Principal of BUX Advisors, a fintech UX/UI consultancy, as well as continuing to help guide content at Finovate events.

Leave a Comment