[Thrymr]

Sadly, US banks seem to be going with chip-and-signature rather than chip-and-PIN. It's not easy to find one that will issue chip-and-PIN.

[craigching]

Will a chip and sig work in Europe? That's probably my biggest issue is traveling and not having a chip.

[Cadsby]

Generally yes, although the cashier might be momentarily confused when the machine prompts her to get a signature since everyone else just uses their pin.

The only place it won't work at all is self-service kiosk.

[makomk]

It ought to, since some European customers have chip-and-signature cards for various reasons. There's no guarantee that shop employees will be properly trained on how to handle it though.