3739 Credit Card Type: Identify The Issuer of Debit or Credit Card Numbers Using Our List of Bank Identification Numbers (BINs)

Want to know what credit card starts with 3739? 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 varies depending on what card network the card uses. Visa, Mastercard, and Discover cards contain 16 digits, while American Express cards contain 15 digits. Interestingly, each of the numbers on a credit card has a hidden meaning. Besides the string of numbers being unique to the cardholder, they can tell us what type of card it is, identify 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.

Major Industry Identifier (MII): What does the first digit ‘3’ in a 3739 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 a credit card serves as a Major Industry Identifier (MII) and tells us what credit card network the card belongs to. For a 3739 card, the first number is a “3”. It turns out that credit cards that start with a 3 are always an American Express, Diner’s Club, Carte Blanche, or a 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 card network, we know that a “3739” 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. If the first digit is 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.

What credit card starts with 3739?

A credit or debit card beginning with 3739 is always an 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 3739 card will be an Amex, many different types of Amex credit cards exist. Not all American Express cards are equal! We detail all the different types of 3739 cards in the next section.

What do the rest of the American Express credit card numbers mean?

Now that we know that a 3739 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 “739” 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 (BIN), also known as the Issuer Identification Number (IIN).

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 our three remaining numbers.

BIN/IIN list of 3739 credit card numbers (Identify the bank that issued the card)

After researching the issue, we found the answers to the 3739 credit card mystery. It turns out that a 3739 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 issuing banks and financial institutions, for all 100 of the 3739 credit cards and debit cards.

373900 to 373910 BINs/IINs (Credit card types)

• 373900 is an American Express credit card issued by the American Express Company in the United States
• 373901 is an American Express credit card issued by the American Express Company in the United States
• 373902 is an American Express credit card issued by the American Express Company in the United States
• 373903 is an American Express credit card issued by the American Express Company in the United States
• 373904 is an American Express credit card issued by the American Express Company in the United States
• 373905 is an American Express credit card issued by the American Express Company in the United States
• 373906 is an American Express credit card issued by the American Express Company in the United States
• 373907 is an American Express credit card issued by the American Express Company in the United States
• 373908 is an American Express credit card issued by the American Express Company in the United States
• 373909 is an American Express credit card issued by the American Express Company in the United States
• 373910 is an American Express credit card issued by the American Express Company in the United States

373911 to 373920 BINs/IINs (Credit card types)

• 373911 is an American Express credit card issued by the American Express Company in the United States
• 373912 is an American Express credit card issued by the American Express Company in the United States
• 373913 is an American Express credit card issued by the American Express Company in the United States
• 373914 is an American Express credit card issued by the American Express Company in the United States
• 373915 is an American Express credit card issued by the American Express Company in the United States
• 373916 is an American Express credit card issued by the American Express Company in the United States
• 373917 is an American Express credit card issued by the American Express Company in the United States
• 373918 is an American Express credit card issued by the American Express Company in the United States
• 373919 is an American Express credit card issued by the American Express Company in the United States
• 373920 is an American Express credit card issued by the American Express Company in the United States

373921 to 373930 BINs/IINs (Credit card types)

• 373921 is an American Express credit card issued by the American Express Company in the United States
• 373922 is an American Express credit card issued by the American Express Company in the United States
• 373923 is an American Express credit card issued by the American Express Company in the United States
• 373924 is an American Express credit card issued by the American Express Company in the United States
• 373925 is an American Express credit card issued by the American Express Company in the United States
• 373926 is an American Express credit card issued by the American Express Company in the United States
• 373927 is an American Express credit card issued by the American Express Company in the United States
• 373928 is an American Express credit card issued by the American Express Company in the United States
• 373929 is an American Express credit card issued by the American Express Company in the United States
• 373930 is an American Express credit card issued by the American Express Company in the United States

373931 to 373940 BINs/IINs (Credit card types)

• 373931 is an American Express credit card issued by the American Express Company in the United States
• 373932 is an American Express credit card issued by the American Express Company in the United States
• 373933 is an American Express credit card issued by the American Express Company in the United States
• 373934 is an American Express credit card issued by the American Express Company in the United States
• 373935 is an American Express credit card issued by the American Express Company in the United States
• 373936 is an American Express credit card issued by the American Express Company in the United States
• 373937 is an American Express credit card issued by the American Express Company in the United States
• 373938 is an American Express credit card issued by the American Express Company in the United States
• 373939 is an American Express credit card issued by the American Express Company in the United States
• 373940 is an American Express credit card issued by the American Express Company in the United States

= 373941 to 373950 BINs/IINs (Credit card types)

• 373941 is an American Express credit card issued by the American Express Company in the United States
• 373942 is an American Express credit card issued by the American Express Company in the United States
• 373943 is an American Express credit card issued by the American Express Company in the United States
• 373944 is an American Express credit card issued by the American Express Company in the United States
• 373945 is an American Express credit card issued by the American Express Company in the United States
• 373946 is an American Express credit card issued by the American Express Company in the United States
• 373947 is an American Express credit card issued by the American Express Company in the United States
• 373948 is an American Express credit card issued by the American Express Company in the United States
• 373949 is an American Express credit card issued by the American Express Company in the United States
• 373950 is an American Express credit card issued by the American Express Company in the United States

373951 to 373960 BINs/IINs (Credit card types)

• 373951 is an American Express credit card issued by Bank of America in the United States
• 373952 is an American Express credit card issued by the American Express Company in the United States
• 373953 is an American Express credit card issued by the American Express Company in the United States
• 373954 is an American Express credit card issued by the American Express Company in the United States
• 373955 is an American Express credit card issued by the American Express Company in the United States
• 373956 is an American Express credit card issued by Bank of America in the United States
• 373957 is an American Express credit card issued by the American Express Company in the United States
• 373958 is an American Express credit card issued by the American Express Company in the United States
• 373959 is an American Express credit card issued by the American Express Company in the United States
• 373960 is an American Express credit card issued by Bank of America in the United States

373961 to 373970 BINs/IINs (Credit card types)

• 373961 is an American Express credit card issued by the American Express Company in the United States 
• 373962 is an American Express credit card issued by the American Express Company in the United States
• 373963 is an American Express credit card issued by the American Express Company in the United States
• 373964 is an American Express credit card issued by the American Express Company in the United States
• 373965 is an American Express credit card issued by the American Express Company in the United States
• 373966 is an American Express credit card issued by the American Express Company in the United States
• 373967 is an American Express credit card issued by the American Express Company in the United States
• 373968 is an American Express credit card issued by the American Express Company in the United States
• 373969 is an American Express credit card issued by the American Express Company in the United States
• 373970 is an American Express credit card issued by the American Express Company in the United States

373971 to 373980 BINs/IINs (Credit card types)

• 373971 is an American Express credit card issued by the American Express Company in the United States
• 373972 is an American Express credit card issued by the American Express Company in the United States
• 373973 is an American Express credit card issued by the American Express Company in the United States
• 373974 is an American Express credit card issued by the American Express Company in the United States
• 373975 is an American Express credit card issued by the American Express Company in the United States
• 373976 is an American Express credit card issued by the American Express Company in the United States
• 373977 is an American Express credit card issued by the American Express Company in the United States
• 373978 is an American Express credit card issued by the American Express Company in the United States
• 373979 is an American Express credit card issued by the American Express Company in the United States
• 373980 is an American Express credit card issued by the American Express Company in the United States

373981 to 373990 BINs/IINs (Credit card types)

• 373981 is an American Express credit card issued by the American Express Company in the United States
• 373982 is an American Express credit card issued by the American Express Company in the United States
• 373983 is an American Express credit card issued by the American Express Company in the United States
• 373984 is an American Express credit card issued by the American Express Company in the United States
• 373985 is an American Express credit card issued by Bank of America in the United States
• 373986 is an American Express Platinum credit card issued in Canada
• 373987 is an American Express credit card issued by Delta Skymiles in the United States
• 373988 is an American Express credit card issued by Delta Skymiles in the United States
• 373989 is an American Express credit card issued by the American Express Company in the United States
• 373990 is an American Express credit card issued by the American Express Company in the United States

373991 to 373999 BINs/IINs (Credit card types)

• 373991 is an American Express Centurion credit card issued in Canada
• 373992 is an American Express credit card issued by the American Express Company in the United States
• 373993 is an American Express credit card issued by American Express US in the United States
• 373994 is an American Express credit card issued by American Express US in the United States
• 373995 is an American Express Centurion credit card issued in Canada
• 373996 is an American Express Centurion credit card issued by Westpac Banking Corporation in Canada
• 373997 is an American Express Platinum credit card issued by Westpac Banking Corporation in Canada
• 373998 is an American Express Platinum credit card issued in Canada
• 373999 is an American Express Platinum credit card issued in Canada

How many 3739 credit cards are there?

Examining the results, we know that four financial institutions issue 100 different American Express 3739 credit cards. We also know that all 100 of the 3739 credit card types are issued in the United States and Canada.

What do the rest of the 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 3739 credit card, the 7th to the 14th digits represent the card account number, which is called a Primary Account Number (PAN).

These eight PAN digits are unique to an account holder and link the credit card to the customer’s bank account number. The last digit, called a check digit, is used for merchant verification and security purposes.

When typing in American Express numbers, it’s always possible to mistype a digit or two. That’s why the check digit, which is the 15th digit of the card number, exists. Check digits are used for the detection of typos and to prevent fraud. The credit card network uses the check digit and the rest of the card numbers to instantly verify that the card number is valid using a mathematical formula called the Luhn Algorithm.

What is the CVV on American Express cards?

The CVV on American Express cards is a four-digit number located on the front of the card, directly above the last few digits of the card number. Credit card issuers use CVVs to verify that the cardholder is in possession of the card and to help prevent fraud.

What are the major credit card companies?

There are four major credit card companies in the United States: Visa, Mastercard, American Express, and Discover. Each company issues credit cards to consumers and businesses through banks and other financial institutions.

What are rotating categories on a credit card?

 Rotating categories on a credit card means that the cashback or rewards you earn on your card change periodically based on where you’re shopping. For example, a card might offer 5% cash back on groceries for a quarter, then 3% cash back on gas for the next quarter. Rotating categories can be a great way to maximize your rewards, but you must keep track of the changes.

How to get an American Express debit card 

You’ll need to open an American Express Rewards Checking account to get an American Express debit card. You’ll earn rewards on your purchases, pay no monthly account fees, and receive a competitive APY on your balance.

Does American Express have prepaid cards? 

American Express issues three prepaid cards: Serve, Serve Free Reloads, and Serve Cash Back. To help you choose between the three cards, refer to our list below:

Serve card: $6.95 monthly fee and costs up to $3.95 per reload, but comes with free direct deposit and online bill pay.

Serve Free Reloads card: $6.95 monthly fee, free direct deposit, free online bill pay, and offers free reloads at 45,000 participating locations. Serve Cash Back card: $6.95 monthly fee, all of the benefits of the Serve Free Reloads card, and 1% cash back on all purchases.

What does card issuer rejection mean? 

Card issuer rejection means that the card issuer has refused to approve the transaction. An issuer rejection can happen for various reasons, including insufficient funds, incorrect information, or suspicions of fraud. If you receive a rejection notice from the card issuer, you’ll need to contact the issuer before you can continue with your purchase.

What credit cards are accepted by Square?

Square accepts all major credit cards, including Visa, Mastercard, American Express, Discover, JCB, and UnionPay. In addition to traditional credit cards, Square supports the following digital wallets: Apple Pay, Google Pay, and Samsung Pay.

Best credit card to get with 750 credit score

There are a few different credit cards that you could qualify for with a 750 credit score. Some of the best options include the Chase Sapphire Preferred Card, Chase Sapphire Reserve Card, the American Express Platinum Card, and the Capital One Venture Rewards Credit Card. Each card has excellent perks and rewards, so choosing which card depends on your spending habits and preferences. However, all three of these cards are excellent choices for someone with a 750 credit score.

Conclusion: 3739 credit card type? Always an American Express card!

Our results show that 100 different types of 3739 credit cards are issued by four financial institutions in the United States and Canada. We also know that every credit card number that starts with 3739 is an American Express. We hope this credit card information is a helpful resource that satisfies your curiosity.

Please note that we cannot guarantee accuracy as credit card numbers change, numbers are re-assigned, and local banks merge or fail.