For millions of Californians who rely on CalFresh benefits, a major update is coming to the way they access food assistance. The familiar green Electronic Benefit Transfer (EBT) cards, used like debit cards to purchase groceries, are getting a long-overdue security upgrade. Starting in summer 2024, CalFresh recipients will begin receiving new EBT cards that include a chip — a significant move to help reduce fraud and increase cardholder protection.
With electronic theft and card skimming schemes on the rise, this change couldn’t come at a better time. The new chip-embedded EBT cards offer enhanced encryption that makes it much more difficult for criminals to clone or steal cardholder data. While the physical card will still largely look the same, it’s what’s embedded inside that truly matters. The California Department of Social Services (CDSS) has revealed a rollout plan that will reach every CalFresh user by 2025, with a phased distribution schedule by counties.
At a glance: Key facts about the new CalFresh chip-enabled cards
| Feature | Details |
| New feature | EMV chip for improved security |
| Rollout start date | Summer 2024 |
| Full implementation | Expected by Summer 2025 statewide |
| Who receives them | All current and new CalFresh recipients |
| Activation needed | Yes, via phone or online portal |
| PIN stays the same? | Yes, current PIN remains valid |
Why this change was necessary
Card skimming has become a widespread problem for EBT users in California. In recent years, thousands of CalFresh recipients have reported stolen benefits, often with no way of retrieving their lost funds. Because older magnetic stripe cards can be easily cloned with cheap skimming devices, fraudsters were able to gain access to cards and withdraw funds quickly, usually before the victim even noticed.
Installing EMV chips into the cards is the same technology used by banks and credit card companies to tackle fraud. These embedded chips create a unique transaction code every time the card is used, rendering any cloned data useless. In short, the switch to chip cards is expected to significantly cut down on food benefit theft — an issue that disproportionately impacts California’s most vulnerable residents.
“This shift to chip-enabled EBT cards is a major step forward in shielding Californians from fraud. Everyone deserves to access their benefits without fear of theft.”
— Placeholder, CDSS Official
When and how recipients will receive their cards
The distribution plan for the new EBT cards will begin in summer 2024 and continue into early 2025. The state is rolling out the cards in phases, based on counties. Current CalFresh users do not need to take any action to receive a chipped card — it will be mailed automatically to the address on file. However, keeping contact information updated with your local county office is crucial to ensure successful delivery.
New applicants after the rollout begins will receive the upgraded card from the start. Once the chip card arrives, users will need to activate it via the same process used today — typically through the EBT customer service phone line or an online portal.
Benefits of EMV chip technology for EBT users
The move to chip-enabled cards offers several advantages over the older magnetic stripe versions:
- Increased fraud protection: EMV chip cards are much harder to skim or clone.
- Secure transaction data: Each transaction is uniquely encrypted.
- Simple transition: Current PINs remain valid; no new PIN needed.
- Universal design: Cards still work in ATM machines and grocery card readers.
This straightforward switch ensures most recipients will not need to change their behavior or learn anything new to use the new card — except to insert the card rather than swipe when using machines that support chips.
“We’ve seen how devastating it can be when EBT benefits are stolen. Chipped cards are an essential safeguard.”
— Placeholder, Privacy and Security Advocate
What happens to old EBT cards
When users receive their new chip card, their old card will automatically be deactivated after a short overlap period (typically 30 days). The new chip card will carry over the same balance, and no benefits will be lost during the transition. It is strongly advised to destroy the old magnetic stripe card once the new one is activated to avoid confusion or accidental use.
The state will notify recipients via mail and phone of when their county is scheduled for conversion. Text messages and email reminders will also be used if contact permissions are in place.
Who qualifies and why it matters
All current and future CalFresh recipients — as well as those using EBT for other benefits such as CalWORKs — will receive a chip-enabled EBT card. This security enhancement is not limited to new applicants. Even individuals who have used their EBT card for years will receive the new chip version in the coming months.
Recipients are not the only ones who gain from this transition. Merchants benefit too by reducing fraud-associated losses, processing errors, and accidental benefit declines caused by cloned cards. It’s a win for the entire CalFresh system and everyone it touches.
Winners and losers of the new EBT chip rollout
| Winners | Losers |
| CalFresh recipients (due to higher security) | Fraud rings targeting EBT users |
| Retailers accepting EBT | Criminals using skimmers |
| Taxpayers (due to reduced fraud) | Those with outdated POS machines |
Frequently asked questions about CalFresh chip cards
When will I get my chip version of the EBT card?
Distribution begins summer 2024 and continues in county-based phases through 2025. Look for a notice via mail or email from your county office with specific delivery timing.
Do I need to apply again or request a new card?
No. All recipients will automatically receive the new card at their address on file. Be sure your contact information is current.
Will my current PIN still work on the new EBT card?
Yes. You can use your existing PIN with the new chip card. There’s no need to create a new one unless you wish to change it.
Can my new chip card be used at the same stores?
Absolutely. Your chip card will work at all locations where EBT is accepted. Just insert the card instead of swiping when prompted at chip-compatible machines.
What should I do if my card doesn’t arrive?
If you don’t receive your chip card by the date specified by your county, contact the EBT customer service line immediately to request a replacement.
How will the chip prevent theft of my benefits?
Each chip transaction creates a one-time code that cannot be duplicated, unlike magnetic stripes that store fixed data. This makes it nearly impossible for thieves to use a fake version of your card.
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