![]() Finally, the last digit is known as a “check” digit. The seventh to the 15th digit (or 14th for American Express) form a unique sequence to identify the cardholder. These are considered the card’s Issuer Identification Number (IIN), or Bank Identification Number (BIN). When you combine the industry identifier with the next five digits, you can work out who the card issuer is, as well as the product the card relates to. 6: Merchandising and Banking (includes Discover).5: Banking and Financial (includes Mastercard).4: Banking and Financial (includes Visa).3: Travel and Entertainment (includes Amex).For example, cards beginning with “4” are part of the Visa network. This digit also reveals the card’s payment network. If it’s between numbers two to six, then the card has been issued by a banking or finance organization. The first digit is an industry identifier, or Major Industry Identifier (MII). American Express credit cards, on the other hand, have 15 digits. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.Ĭredit cards linked to major payment networks like Visa, Mastercard and Discover have card numbers that are 16 digits long. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.ī is an independent, advertising-supported publisher and comparison service. ![]() The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.Įditorial policy, so you can trust that our content is honest and accurate. Our experts have been helping you master your money for over four decades. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. ![]() We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our goal is to give you the best advice to help you make smart personal finance decisions. Our editorial team does not receive direct compensation from our advertisers.īankrate’s editorial team writes on behalf of YOU – the reader. We maintain a firewall between our advertisers and our editorial team. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.īankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels.
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