What Credit Card Starts With 4485?

Credit card numbers, though appearing as a random sequence of digits, contain structured information that identifies the card’s origin and purpose. The initial digits are particularly important, as they convey specific details about the card and the financial institution that issued it. Understanding this structure helps to demystify how payment systems operate and provides insight into the security and routing mechanisms involved in everyday transactions.

The Significance of Credit Card Prefixes

The first several digits of a credit card number form what is known as a Bank Identification Number (BIN) or Issuer Identification Number (IIN). This unique prefix identifies the card’s network, such as Visa or Mastercard, and the specific financial institution that issued the card. These prefixes are standardized globally by organizations like the International Organization for Standardization (ISO) to ensure consistency across financial networks. The BIN/IIN is a fundamental component in the payment processing ecosystem, enabling seamless routing of transactions from the merchant to the correct issuing bank for authorization.

Beyond routing, BINs and IINs are important for fraud detection and prevention. By identifying the issuing bank and card type, these numbers allow payment processors and financial institutions to flag unusual activity, such as transactions initiated in a different country than the card’s origin. This helps protect cardholders from unauthorized use. These identification numbers range from six to eight digits, with the first digit indicating the major industry identifier (MII) for the card network.

Identifying Cards with the 4485 Prefix

Credit cards that begin with the digits 4485 are associated with the Visa network. This prefix pinpoints the financial institution responsible for issuing the card. Cards starting with 4485 are commonly issued by US Bank. While the full BIN might extend to six or eight digits, the initial 4485 sequence indicates both the card network and a primary issuer in the United States.

While 4485 points to US Bank for many cards, other financial institutions might also use BINs that begin with 4485 followed by different digits, such as Bank of America using 448585. For cards that distinctly start with the four-digit sequence 4485, US Bank is a prominent issuer. This identification helps payment systems correctly direct transaction requests. It also helps verify the card’s legitimacy during transactions.

Common Card Types and Their Characteristics

Cards issued under the 4485 prefix, primarily by US Bank and operating on the Visa network, share characteristics common to Visa products. These cards offer broad acceptance at millions of merchant locations worldwide, making them convenient for both domestic and international purchases. Security features are standard, with most Visa cards providing fraud protection and zero liability policies. Cardholders are not held responsible for fraudulent charges if their card information is compromised.

The types of cards associated with this prefix span a range of offerings, from standard credit cards to those with enhanced benefits. These can include various reward programs, such as cash back, points redeemable for travel or merchandise, or specific rewards tailored to certain spending categories. Issuers like US Bank provide different tiers of cards, such as traditional, gold, platinum, or signature. Each tier offers varying levels of benefits, credit limits, and annual fees, catering to diverse consumer needs.