What Credit Card Starts With 6011?
Understand how specific credit card number prefixes identify their network, defining their features and usability.
The initial digits of a credit or debit card number identify the card’s origin and network. Known as the Bank Identification Number (BIN) or Issuer Identification Number (IIN), this sequence pinpoints the financial institution that issued the card and the specific payment network through which transactions are processed.
The Card Network Identified by 6011
Card numbers beginning with 6011 are part of the Discover Card network. This specific prefix is a direct identifier for Discover cards, distinguishing them from those issued by other major payment networks. While 6011 is a prominent identifier, Discover cards can also start with other prefixes, such as 644–649 or 65.
Discover operates as a major payment network within the United States and globally. Unlike some other networks that primarily license their brand to various issuing banks, Discover functions as both a payment network and a direct card issuer. This integrated model allows Discover to manage transactions and customer accounts directly.
Characteristics of Cards from This Network
Discover cards are widely recognized for their distinct features, including their approach to rewards programs. A notable aspect for new cardmembers is the dollar-for-dollar match of all cashback earned at the end of their first year, without a limit on the matched amount. This can include 5% cashback on purchases in rotating categories each quarter, up to a quarterly maximum, along with an unlimited 1% cashback on all other purchases.
The company has also established a reputation for its customer service, offering 24/7 support for cardmembers. Furthermore, Discover cards often come with no annual fees, which can be an attractive benefit for consumers seeking to minimize card-related expenses. The business model of Discover, acting as both the card issuer and the payment network, contrasts with entities like Visa or Mastercard, which primarily provide the payment network infrastructure for cards issued by separate banks. This dual role allows Discover to directly benefit from interest earned on card balances.
Where These Cards are Accepted
Discover cards have achieved high acceptance rates within the United States, with reports indicating they are accepted by approximately 96% to 99% of merchants that take credit cards. This widespread acceptance means cardholders can use their Discover card at most retail stores, online merchants, and ATMs across the country. While acceptance is broad, it is not entirely universal, and some smaller merchants may not accept Discover.
Internationally, Discover has expanded its reach through strategic alliances, forming the Discover Global Network. This network includes partnerships with other major payment systems, such as Diners Club International, UnionPay in China, and JCB in Japan, among others. These collaborations allow Discover cards to be used in over 190 countries and territories, at more than 48 million merchant locations, and at 2 million ATM locations worldwide. Despite this extensive global presence, it is generally recommended for international travelers to carry a backup card from another network, such as Visa or Mastercard, as acceptance can vary by specific merchant or region.