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What Does American Express Cards Start With
American Express is one of the leading financial services companies in the world, renowned for its range of credit cards and charge cards. If you have ever come across an American Express card, you may have noticed that it begins with a unique set of numbers. These numbers, also known as the Bank Identification Number (BIN), play a significant role in identifying the card issuer and the type of card you possess.
In this article, we will delve into what American Express cards start with, what they represent, and answer some frequently asked questions regarding American Express cards.
What do American Express cards start with?
American Express cards always start with a specific set of numbers, which is 3 digits long. Unlike other credit card issuers, American Express has a unique BIN range that distinguishes its cards from others. All American Express cards begin with the numbers 34 and 37.
The first two digits, 34 or 37, indicate that the card belongs to American Express. These numbers are crucial for merchants and online payment processors to recognize that the card is an American Express card. Once the BIN is identified, further information can be gathered about the card, such as the card type and its issuing bank.
What do the numbers after the initial digits represent?
After the initial digits, American Express cards have a variable number of digits that represent different information. The length of the remaining digits can vary, but it is typically between 10 and 15 digits.
The numbers following the BIN are unique to each individual card. They represent the account number, which is assigned to the cardholder by American Express. These digits help identify the specific card account associated with the cardholder.
Additionally, American Express cards have a unique four-digit card identification number (CID) on the front of the card, which is used as an extra layer of security during online or over-the-phone transactions.
FAQs about American Express cards:
Q1: Are American Express cards widely accepted?
A1: American Express cards are widely accepted at numerous merchants and establishments worldwide. However, it is important to note that there may be some smaller businesses or regions where American Express acceptance may be limited.
Q2: Can American Express cards be used internationally?
A2: Yes, American Express cards can be used internationally. American Express has a vast network of merchants and ATMs globally, making it convenient for cardholders to use their cards while traveling abroad.
Q3: Are there different types of American Express cards?
A3: Yes, American Express offers a range of credit and charge cards to cater to different needs and preferences. These include personal cards, business cards, premium cards, and co-branded cards with various partners.
Q4: How can I apply for an American Express card?
A4: You can apply for an American Express card online through their official website or by visiting a local branch. The application process typically involves providing personal information, verifying your identity, and meeting specific eligibility criteria.
Q5: What are the benefits of having an American Express card?
A5: American Express cards come with a variety of benefits, including reward programs, travel perks, purchase protection, and access to exclusive events. The specific benefits may vary depending on the type of card you possess.
In conclusion, American Express cards always start with the numbers 34 or 37, which are crucial for identifying the card as an American Express product. The subsequent digits represent the account number assigned to the cardholder, while the four-digit CID adds an extra layer of security. American Express cards are widely accepted, can be used internationally, and come with a range of benefits. Applying for an American Express card can be done online or in-person, and the eligibility criteria may vary depending on the type of card you are interested in.
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