Laurel Road credit cards are embedded with a microchip, which offers additional security worldwide. At participating retailers, you can insert your card into a chip reader for added protection. For retailers without chip technology, you can continue to swipe the magnetic strip on your existing card. Laurel Road credit card uses the latest contactless chip security which allows you to tap your card at the top of the terminal when youre ready to pay rather than inserting or swiping the card.