What Types of Credit Cards Start With a 6?
Explore the structure of credit card numbers. Understand what the initial digit reveals about your card's origin and identify which networks typically begin with '6'.
Credit card numbers are not random sequences of digits; they are structured identifiers containing specific encoded information. These numbers are integral to financial transactions, playing a role in security and identification processes. Understanding their composition helps to demystify how credit and debit cards function within the financial system.
The Major Industry Identifier
The first digit of a credit card number is known as the Major Industry Identifier (MII). This single digit categorizes the entity that issued the card. For example, an MII of ‘4’ typically represents banking and financial institutions, commonly seen with Visa cards, while ‘5’ also signifies banking and financial services, often associated with Mastercard. Travel and entertainment cards, such as American Express and Diners Club, usually begin with a ‘3’.
Credit Cards Starting with 6
Credit cards with numbers beginning with the digit ‘6’ primarily identify with the merchandising and banking/financial category. In the United States, the most common credit card network utilizing the ‘6’ MII is Discover. Discover cards frequently begin with prefixes such as 6011, 622126-622925, 644-649, and 65. Discover operates as both a card issuer and a payment network, distinguishing it from networks like Visa or Mastercard, which partner with other financial institutions to issue cards. These cards are widely accepted across the U.S. and often feature benefits such as cashback rewards programs and no annual fees.
Beyond Discover, other less common card networks also use the ‘6’ MII. Maestro cards, which are predominantly debit cards and more prevalent outside the United States, can start with prefixes like 6013, 62, 63, or 67. RuPay, an Indian payment network, also issues cards that commonly begin with ‘6’, specifically prefixes such as 60 or 6521. Additionally, China UnionPay, a major card network originating from China, often uses prefixes starting with ’62’. While Diners Club cards primarily start with ‘3’, some may be processed through the Discover network in the U.S., which facilitates their acceptance.
Identifying Your Card Network
To definitively identify your credit card’s network, locate the network logo prominently displayed on the card itself. Logos for major networks like Visa, Mastercard, Discover, or American Express are typically found on the front or back of the card. While the Major Industry Identifier (MII) provides an initial clue about the card’s category, the visible logo offers the conclusive identification of the processing network.
Knowing your card network is practical for several reasons. It helps determine where your card will be accepted, both for in-person transactions and online purchases. Understanding the network can also inform you about associated benefits, customer service, and specific features tied to that network’s offerings.