Chip credit cards—also known as EMV, for Europay, MasterCard and Visa—have recently become the standard in the U.S. Just about every credit and debit card now comes with a chip, which improves security.

However, U.S. cards typically use chip-and-signature technology, not chip-and-PIN. Chip-and-PIN is the standard in most of the rest of the world. Having a card with chip-and-PIN technology can make traveling abroad much easier. So what’s the difference and where can you get one?