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Mastercard credit cards start with the number 5. That means all credit cards beginning with 5 can be used at the 110+ million merchants in more than 210 countries that accept cards on the Mastercard network. A credit card starting with 5 also gets you access to certain peripheral perks such as extended warranties and fraud liability protection, though some Mastercard credit cards have better benefits than others.
One thing that credit cards starting with 5 do not share, however, is a common issuer. Tens of different banks and credit unions issue Mastercard credit cards. And that is where the numbers that follow the number 5 come into play. The following five digits, known as the Bank Identification Number (BIN), signify the issuing bank. You can find a few examples below:
- 10805: Capital One
- 42418: Citibank
- 49123: USAA
The subsequent numbers in your 16-digit card number largely identify your individual account, which means those are the digits you really want to protect. For more information, checkout WalletHub’s guide on Credit Card Numbers.
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