This is a novelty piece made of stainless steel. it does not include a chip but does have a small chip slot. Upon ordering, please include the name that you want to appear on the front of your card in the comments/message. Your novelty black card is customized with the name you choose. Please allow two weeks to ship in order to print and ship. THIS IS NOT A WORKING CREDIT CARD. CUSTOM FOR FUN/ENTERTAINMENT PURPOSES.