All of my wife's cards have it, and I'd say probably 90% of the POS terminals support it, but somehow none of my cards have the chip. My credit union said they're working on it, but they're a tiny little place, so that's understandable. What I don't understand is why my Capitol One and Discover cards don't have them. Maybe they offer it now and I just need to request a new card, but that sounds too much like work.