WalletHub, Financial Company
Credit cards starting with 5 are all on the Mastercard network. That means all credit cards beginning with 5 can be used at the roughly 33 million merchants in 210+ countries that take Mastercard plastic. A credit card starting with 5 also gets you access to certain peripheral perks. This includes extended warranties and fraud liability protection, though some Mastercards 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. And 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.
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