Want to know what credit card starts with 3728? So did we! Keep reading and we’ll tell you what we found out!

Every credit card has either 15 or 16 total digits. Why not one or the other? It turns out that the total number of digits depends on what card network the card uses. Visa, Mastercard, and Discover use 16 digits while American Express uses 15 digits. Interestingly, every one of those 15 or 16 digits has a hidden meaning. Besides being unique to you, they can tell us what type of card it is, the bank that issued the card, and what account is associated with the card. There’s even a digit at the end that’s used to make sure you entered all the other numbers correctly.

What Does The ‘3’ in a 3728 American Express Credit Card Mean?

Knowing the card’s first digit helps us discover the credit card network the card belongs to. The best-known credit card networks are Visa, Mastercard, and American Express. Although they’re the biggest card networks, they’re not the only ones! Besides the big three, there’s also Discover, Diner’s Club, Carte Blanche, JCB, and a few smaller ones.

The first digit of the credit card is called a “Major Industry Identifier”. Why? It’s because the first number tells us what credit card network the card belongs to. For “3728” the first digit is a “3”. It turns out that if the first digit is a “3” it’s always an American Express, Diner’s Club, Carte Blanche, or JCB credit card.

This means our card can’t be a Visa, Mastercard, or Discover credit card. Although we haven’t narrowed it down to one car network yet, we do know that a “3728” credit card must be an American Express, Diner’s Club, Carte Blanche, or a JCB card.

How about other credit card prefixes? A card that begins with a “4” is always a Visa card. A “2” or a “5” would be a Mastercard credit card, and a “6” would be a Discover card. It used to be that Mastercard only used a “5” but they also started using a “2” a few years back.

Is a 3728 Credit Card a Visa, Mastercard, or American Express?

A 3728 credit or debit card is always American Express! How do we know that? It’s because every card starting with 34 or 37 is an American Express card! Another clue is that only American Express has 15-digit card numbers! Visa and Mastercard credit and debit cards are always 16 digits, never 15.

That’s not the whole story, though! Although every 3728 card will be an Amex, there are many different types of Amex credit cards. Not all American Express cards are equal! We detail all the different types of 3728 cards in the next section.

What Do The Rest of The American Express Credit Card Numbers Mean?

Now that we know that a 3728 prefix credit card is an American Express card, we’re already part way to solving the secret behind the numbers. To solve the rest of the mystery, we’ll need to decipher the remaining “728” bit.

It turns out that the 2nd through 6th digits of a credit card tell us who the card issuer is and the exact kind of credit card. In credit card industry-speak, these numbers are called the “Bank Identification Number”. Okay, but we only have 3 of the Bank Identification Numbers, not 6. Is that a problem? Nope! We can still solve the mystery behind the numbers by using the 3 remaining numbers that we do have.

List of BINs/IINs for American Express Credit Cards Starting with 3728

After researching the issue, we found the answers to the 3728 credit card mystery. It turns out that a 3728 credit or debit card will always be 1 of 100 possible American Express credit and debit cards.

Below are the BIN/IIN details, including the banks and issuing institutions, for all 100 of the 3728 credit cards and debit cards.

BINs/IINs from 372800 to 372810 (Credit Card Types)

• 372800 is an American Express Gold credit card issued by the American Express Company in the United States
• 372801 is an American Express Gold credit card issued by the American Express Company in the United States
• 372802 is an American Express Gold credit card issued by the American Express Company in the United States
• 372803 is an American Express Gold credit card issued by the American Express Company in the United States
• 372804 is an American Express Gold credit card issued by the American Express Company in the United States
• 372805 is an American Express Gold credit card issued by the American Express Company in the United States
• 372806 is an American Express Gold credit card issued by the American Express Company in the United States
• 372807 is an American Express Gold credit card issued by the American Express Company in the United States
• 372808 is an American Express Gold credit card issued by the American Express Company in the United States
• 372809 is an American Express Gold credit card issued by the American Express Company in the United States
• 372810 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372811 to 372820 (Credit Card Types)

• 372811 is an American Express Gold credit card issued by the American Express Company in the United States
• 372812 is an American Express Gold credit card issued by the American Express Company in the United States
• 372813 is an American Express Gold credit card issued by the American Express Company in the United States
• 372814 is an American Express Gold credit card issued by the American Express Company in the United States
• 372815 is an American Express Gold credit card issued by the American Express Company in the United States
• 372816 is an American Express Gold credit card issued by the American Express Company in the United States
• 372817 is an American Express Gold credit card issued by the American Express Company in the United States
• 372818 is an American Express Gold credit card issued by the American Express Company in the United States
• 372819 is an American Express Gold credit card issued by the American Express Company in the United States
• 372820 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372821 to 372830 (Credit Card Types)

• 372821 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372822 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372823 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372824 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372825 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372826 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372827 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372828 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372829 is an American Express credit card issued by Lockheed Federal Credit Union in the United States
• 372830 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372831 to 372840 (Credit Card Types)

• 372831 is an American Express Gold credit card issued by the American Express Company in the United States
• 372832 is an American Express Gold credit card issued by the American Express Company in the United States
• 372833 is an American Express Gold credit card issued by the American Express Company in the United States
• 372834 is an American Express Gold credit card issued by the American Express Company in the United States
• 372835 is an American Express Gold credit card issued by the American Express Company in the United States
• 372836 is an American Express Gold credit card issued by the American Express Company in the United States
• 372837 is an American Express Gold credit card issued by the American Express Company in the United States
• 372838 is an American Express Gold credit card issued by the American Express Company in the United States
• 372839 is an American Express Gold credit card issued by the American Express Company in the United States
• 372840 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372841 to 372850 (Credit Card Types)

• 372841 is an American Express card issued by Citibank in the United States
• 372842 is an American Express card issued by Citibank in the United States
• 372843 is an American Express card issued by Citibank in the United States
• 372844 is an American Express card issued by Citibank in the United States
• 372845 is an American Express card issued by Citibank in the United States
• 372846 is an American Express card issued by Citibank in the United States
• 372847 is an American Express card issued by Citibank in the United States
• 372848 is an American Express card issued by Citibank in the United States
• 372849 is an American Express card issued by Citibank in the United States
• 372850 is an American Express card issued by Bank of America in the United States

BINs/IINs from 372851 to 372860 (Credit Card Types)

• 372851 is an American Express Gold credit card issued by the American Express Company in the United States
• 372852 is an American Express Gold credit card issued by the American Express Company in the United States
• 372853 is an American Express Gold credit card issued by the American Express Company in the United States
• 372854 is an American Express Gold credit card issued by the American Express Company in the United States
• 372855 is an American Express Gold credit card issued by the American Express Company in the United States
• 372856 is an American Express Gold credit card issued by the American Express Company in the United States
• 372857 is an American Express Gold credit card issued by the American Express Company in the United States
• 372858 is an American Express Gold credit card issued by the American Express Company in the United States
• 372859 is an American Express Gold credit card issued by the American Express Company in the United States
• 372860 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372861 to 372870 (Credit Card Types)

• 372861 is an American Express Gold credit card issued by the American Express Company in the United States
• 372862 is an American Express Gold credit card issued by the American Express Company in the United States
• 372863 is an American Express Gold credit card issued by the American Express Company in the United States
• 372864 is an American Express Gold credit card issued by the American Express Company in the United States
• 372865 is an American Express Gold credit card issued by the American Express Company in the United States
• 372866 is an American Express Gold credit card issued by the American Express Company in the United States
• 372867 is an American Express Gold credit card issued by the American Express Company in the United States
• 372868 is an American Express Gold credit card issued by the American Express Company in the United States
• 372869 is an American Express Gold credit card issued by the American Express Company in the United States
• 372870 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372871 to 372880 (Credit Card Types)

• 372871 is an American Express Gold credit card issued by the American Express Company in the United States
• 372872 is an American Express Gold credit card issued by the American Express Company in the United States
• 372873 is an American Express Gold credit card issued by the American Express Company in the United States
• 372874 is an American Express Gold credit card issued by the American Express Company in the United States
• 372875 is an American Express Gold credit card issued by the American Express Company in the United States
• 372876 is an American Express Gold credit card issued by the American Express Company in the United States
• 372877 is an American Express Gold credit card issued by the American Express Company in the United States
• 372878 is an American Express Gold credit card issued by the American Express Company in the United States
• 372879 is an American Express Gold credit card issued by the American Express Company in the United States
• 372880 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372881 to 372890 (Credit Card Types)

• 372881 is an American Express Gold credit card issued by the American Express Company in the United States
• 372882 is an American Express Gold credit card issued by the American Express Company in the United States
• 372883 is an American Express Gold credit card issued by the American Express Company in the United States
• 372884 is an American Express Gold credit card issued by the American Express Company in the United States
• 372885 is an American Express Gold credit card issued by the American Express Company in the United States
• 372886 is an American Express Gold credit card issued by the American Express Company in the United States
• 372887 is an American Express Gold credit card issued by the American Express Company in the United States
• 372888 is an American Express Gold credit card issued by the American Express Company in the United States
• 372889 is an American Express Gold credit card issued by the American Express Company in the United States
• 372890 is an American Express Gold credit card issued by the American Express Company in the United States

BINs/IINs from 372891 to 372899 (Credit Card Types)

• 372891 is an American Express Gold credit card issued by the American Express Company in the United States
• 372892 is an American Express Gold credit card issued by the American Express Company in the United States
• 372893 is an American Express Gold credit card issued by the American Express Company in the United States
• 372894 is an American Express Gold credit card issued by the American Express Company in the United States
• 372895 is an American Express Gold credit card issued by the American Express Company in the United States
• 372896 is an American Express Gold credit card issued by the American Express Company in the United States
• 372897 is an American Express Gold credit card issued by the American Express Company in the United States
• 372898 is an American Express Gold credit card issued by the American Express Company in the United States
• 372899 is an American Express Gold credit card issued by the American Express Company in the United States

How Many 3728 Credit Cards Are There?

Examining the results, we now know there are 100 different types of American Express 3728 credit cards. We also know that all 100 of the 3728 credit card types are issued in the United States.

What Do The Final Card Digits Mean? (Primary Account Number and Check Digit)

Since you’ve read this far, you might be interested in understanding what the rest of the numbers on your card mean. On your 3728 credit card, the 7th to the 14th digits represent the account holder’s account number, which is called a Primary Account Number (PAN).

These eight PAN digits are unique to an account holder and are the most important part of the credit card number. The last digit, called a check digit, is used for verification purposes to avoid charging purchases to the wrong card number.

When typing in your American Express card number, it’s always possible to mistype a digit or two. That’s why the check number, which is the 15th digit, exists. Check digits are used for the detection of typos. The credit card network instantly verifies that everything was entered correctly by running the check digit plus the rest of the preceding portions of the account number through a mathematical formula called the ‘Luhn Algorithm’.

Conclusion: 3728 Credit Card Type? Always an American Express card!

Our results show that there are 100 different types of 3728 credit cards issued worldwide. We also know that every 3728 credit card is an American Express issued in the United States. We hope this is credit card information is a helpful resource that satisfies your curiosity. Credit card numbers change, so accuracy is not guaranteed.