My black Amex card with cash rewards has an expiration date in 2016. However the new card arrived this week with a chip and a new design of which both I love! This is the first of my USAA credit cards to have a chip in it. My discover IT card came about a month ago with a chip. My SAMs club MasterCard with a chip came about 6 months ago. So glad to see USAA starting their roll out of the chip cards and thank you!