How to Determine Credit Card Type From Card Number

All Visa credit cards begin with the number 4.

All credit card numbers follow a standard formula by which the first six digits of the credit card identify the company that issued the card. The rest of the digits in the credit card make up the individual account number, with the exception of the last digit, which helps computer programs identify invalid credit card numbers. Determine the type of credit card by matching its first six digits against an industry list.

Step 1

Look at the first digit of the credit card number, which identifies the broad category of the industry that issued the card. The most common first digits are 1 and 2 for airlines, 3 for travel and entertainment, 4 and 5 for banking and financial, 6 for merchandising and banking, 7 for petroleum and 8 for telecommunications. For example, a credit card number beginning with 7 is probably an oil company or gas station card.

Step 2

Count the number of digits in the credit card. Cards with 14 digits are typically Diner's Club and cards with 15 digits are typically American Express or older JCB credit cards. Most other major types of credit cards have 16 digits.

Step 3

Match the first few digits of the credit card number to one of the major credit card issuers if possible. Discover cards begin with 6011 or 65. MasterCards begin with a number from 51 to 55. American Express cards begin with 34 or 37. JCB cards begin with 2131, 1800 or 35. Visa cards all begin with 4.