Which Credit Cards Start With the Number 3?

Credit card numbers are not a random string of digits; they are structured to convey specific information about the card and its issuer. This sequence contains coded details that identify various aspects of the card. The initial digit holds particular significance, acting as a broad identifier for the card’s origin and purpose.

The Major Industry Identifier (MII)

The first digit of a credit card number is known as the Major Industry Identifier (MII), a concept defined by the international standard ISO/IEC 7812. This MII categorizes the primary industry associated with the card’s issuer. For instance, the MII ‘4’ typically designates banking and financial institutions, commonly seen with Visa cards, and ‘5’ is also used for banking and financial, notably for Mastercard.

A credit card number beginning with ‘3’ specifically denotes the “Travel and Entertainment” industry, indicating the card is issued by an entity primarily focused on services within this sector. The MII is the leading digit of a longer sequence called the Issuer Identification Number (IIN), which further identifies the specific card-issuing institution.

American Express: The Prominent ‘3’

American Express stands as the most recognized credit card network whose numbers consistently begin with the digit ‘3’. Specifically, American Express card numbers typically start with ’34’ or ’37’. Unlike Visa or Mastercard, which primarily operate as payment networks and rely on banks to issue cards, American Express functions as both a card issuer and a payment network. This integrated model means American Express issues its own cards directly to consumers and processes transactions on its proprietary network.

American Express cards are distinguished not only by their starting digit but also by their typical length, generally featuring 15 digits, whereas most other major cards have 16. While American Express has a high acceptance rate within the United States, its international acceptance can be more limited compared to Visa and Mastercard.

Diners Club and Other ‘3’ Cards

Diners Club International is another prominent card network whose numbers typically commence with the digit ‘3’. Diners Club has a rich history, being established in 1950 as the world’s first independent payment card company, initially focusing on travel and entertainment expenses. Its card numbers generally consist of 14 digits and often begin with prefixes such as 300-305, 36, 38, or 39.

Diners Club International maintains a global presence, with acceptance in numerous countries. Its cards are supported by Discover in the United States, allowing for broader acceptance. Diners Club remains a relevant option within the “Travel and Entertainment” MII category, particularly for business and travel-related spending. Other less common card types may also begin with ‘3’, aligning with the MII’s broad classification for travel and entertainment.