What Are the Most Common Credit Card Number Patterns?

Published at: 2023-02-20

When it comes to online purchases and payments, it's important to know the credit card number patterns that identify major credit card companies. In this article, we will look at the common credit card number structures, including the types of credit card numbers, the structure of a credit card number, and the Major Industry Identifier. We will also look at common credit card number formats for American Express, Discover, MasterCard, and Visa. Finally, we will discuss some important security measures like signing up for credit monitoring and limiting sites where you store your card information.

Table of Content

Blog descriptive image

Common Credit Card Number Structures

Credit card numbers are a fundamental part of verifying identity and providing monetary convenience to us. They often have intricate and complex structures due to the ever-increasing security needs, but understanding the basics of the credit card number pattern can be valuable.

First and foremost, there are many different types of credit cards numbers, such as American Express, Visa, Mastercard, and Discover. With such a variety, each credit card number has some basic similar points. This includes a Major Industry Identifier, typically at the beginning of the credit card number. For instance, American Express credit card numbers have a MII of 34/37, Visa has 4, Mastercard has a range from 2221-2720 and Discover has from 637-641.

The structure of a credit card number also consists of a specific pattern to the 16-digit number. It typically includes a prefix, which is the first six digits, a variable length for up to 11 digits, and then a check digit representing the last digit. Together, the prefix and length represent the card type and issuer. The check digit is a form of authentication that ensures the precision of entered numbers. To conclude, credit card numbers have very specific components, making them secure and hard to replicate.

Common Credit Card Number Formats

Credit card number patterns play an important role when it comes to managing your finances and shopping online. Knowing common credit card number formats can help you to better understand how your card works and protect your identity from fraud.

Firstly, American Express credit card numbers are formatted with 15 digits, beginning with the number 3 and consisting of four groups of numbers. Secondly, Discover credit cards start with 6 followed by a series of numbers such as 64, 65, or 622. MasterCard numbers are between 16 and 19 digits long, and start with either 51, 52, 53, 54, or 55. Finally, Visa credit cards start with 4 and can have a length of 13, 16, or 19 digits.

By being aware of the different credit card number formats, it will be easier to recognize suspicious activity and protect your credit card information. Remember, apart from loyalty reward programs, you should never give away your credit card information.

User our free credit card validator to learn more about different credit card patterns.

Staying Secure

Credit card number patterns are an essential tool for staying secure with your finances.

The first step in staying secure is signing up for credit monitoring. With this service, you can keep an eye on your credit report so you can quickly identify any suspicious activity or stolen card numbers. You can also opt to receive alerts if any changes are made to your credit score, giving you the time to take action if needed.

Using strong passwords and two-factor authentication is also key in protecting your credit card information. Make sure you use long and complex passwords and also use two-factor authentication whenever available. Limiting the number of websites where you store your card information is another way to stay secure. Try using virtual payment services like Apple Pay instead which can be monitored more easily.


Overall, it is important to understand the structure of a credit card number and the common patterns associated with each major credit card company. Additionally, it's crucial to stay conscious of the security measures you can take to protect your card information online, like signing up for credit monitoring and using strong passwords and two-factor authentication.

This blog was generated with help of DelyAI.com - AI content generator.

Martins avatar picture
Hi, I'm Martins!

I'm building different web apps to help developers, freelancers, and companies to be more efficient and successful.