3782 Credit Card Type (BIN/IIN List of American Express Credit Card Numbers, Account Numbers, and Test Card Numbers)

Want to know what credit card starts with 3782? 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? The total number of digits depends 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 digits 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 to ensure you entered all the other numbers correctly.

What does the first digit ‘3’ in a 3782 American Express credit card mean?

Knowing the card’s first digit helps us discover the credit card network to which 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 (MII). Why? It’s because the first number tells us what credit card network the card belongs to. For “3782” 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 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, a “3782” 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. Mastercard used to use only a “5,” but they also started using a “2” a few years back.

What credit card starts with 3782?

A credit or debit card beginning with 3782 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 3782 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 3782 cards in the next section.

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

Now that we know that a 3782 prefix credit card is an American Express card, we’re already part of the way to solving the secret behind the numbers. We’ll need to decipher the remaining “782” bit to solve the rest of the mystery.

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 using our three remaining numbers.

List of BINs/IINs for American Express credit cards starting with 3782

After researching the issue, we found the answers to the 3782 credit card mystery. A 3782 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 3782 credit cards and debit cards.

BINs/IINs from 378200 to 378210 (Credit card types)

• 378200 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378201 is an American Express Business credit card issued by the American Express Company in the United States
• 378202 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378203 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378204 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378205 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378206 is an American Express credit card issued by Citibank in the United States
• 378207 is an American Express credit card issued by Bank of America in the United States
• 378208 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378209 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378210 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378211 to 378220 (Credit card types)

• 378211 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378212 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378213 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378214 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378215 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378216 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378217 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378218 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378219 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378220 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378221 to 378230 (Credit card types)

• 378221 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378222 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378223 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378224 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378225 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378226 is an American Express credit card issued by Citibank in the United States
• 378227 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378228 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378229 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378230 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378231 to 378240 (Credit card types)

• 378231 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378232 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378233 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378234 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378235 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378236 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378237 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378238 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378239 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378240 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378241 to 378250 (Credit card types)

• 378241 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378242 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378243 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378244 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378245 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378246 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378247 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378248 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378249 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378250 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378251 to 378260 (Credit card types)

• 378251 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378252 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378253 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378254 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378255 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378256 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378257 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378258 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378259 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378260 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378261 to 378270 (Credit card types)

• 378261 is an American Express credit card issued by California Union Bank in the United States
• 378262 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378263 is an American Express credit card issued by Citibank in the United States
• 378264 is an American Express credit card issued by National Bank in the United States
• 378265 is an American Express credit card issued by Bank of America in the United States
• 378266 is an American Express Small Corporate credit card issued by Bank of America in the United States
• 378267 is an American Express credit card issued by Citibank in the United States
• 378268 is an American Express credit card issued by Citibank in the United States
• 378269 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378270 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378271 to 378280 (Credit card types)

• 378271 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378272 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378273 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378274 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378275 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378276 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378277 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378278 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378279 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378280 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378281 to 378290 (Credit card types)

• 378281 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378282 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378283 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378284 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378285 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378286 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378287 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378288 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378289 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378290 is an American Express Small Corporate credit card issued by the American Express Company in the United States

BINs/IINs from 378291 to 378299 (Credit card types)

• 378291 is an American Express Corporate credit card issued by Chase Manhattan in the United States
• 378292 is an American Express Corporate credit card issued by the American Express Company in the United States
• 378293 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378294 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378295 is an American Express credit card issued by Bank of Elgin in the United States
• 378296 is an American Express Corporate credit card issued by the American Express Company in the United States
• 378297 is an American Express Corporate credit card issued by the American Express Company in the United States
• 378298 is an American Express Small Corporate credit card issued by the American Express Company in the United States
• 378299 is an American Express Small Corporate credit card issued by the American Express Company in the United States

How many 3782 credit cards are there?

The results show that seven financial institutions issue 100 different American Express 3782 credit cards. We also know that all 100 of the 3782 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 3782 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 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’.

Valid Amex test card numbers (With response and error codes)

American Express offers test credit card numbers that developers can use to simulate transactions with a payment gateway API in a sandbox environment (test mode). These numbers have the same structure as a real Amex credit card number but will not work for actual purchases. Instead, use the card numbers to confirm settings, test fraud responses, and for other development scenarios. Below is a list of test card numbers for American Express with response and error codes:

Card Type	Card Number	Response Code	Response Code Meaning	Message
Amex	3700 0000 0000 002
Amex	3700 0000 0100 018
Amex	3711 1111 1111 114	00	Transaction approved	APPROVED
Amex	3712 3480 6987 034	00	Transaction approved	APPROVED
Amex	3714 4963 5398 431	00	Transaction approved	APPROVED
Amex	3742 4545 5400 126
Amex	3760 0000 0000 006	00	Transaction approved	APPROVED
Amex	3774 0011 1111 115	00	Transaction approved	APPROVED
Amex	3782 8224 6310 005	00	Transaction approved	APPROVED
Amex	3787 3449 3671 000

Amex decline codes (Troubleshoot declined payments)

The code that appears when a credit card transaction is declined is called a decline code. Knowing the meaning behind decline codes can help you understand what went wrong and how to troubleshoot what triggered the problem. Below is a list of the most common American Express decline codes and what they mean.

Decline code number	Meaning	Detailed explanation
000	Approved	Transaction canceled after initial approval. Occurs most frequently with customer returns after purchase.
001	Approve with ID	Transaction canceled because the issuer requested identification through phone contact between the authorizer and the merchant.
002	Prepaid card partial authorization	Partial approval authorization with the balance to be paid by the customer with another payment method (cash, another card, etc.)
100	Deny	Generic refusal code, contact the issuer for more information
101	Expired card/invalid expiration date	The card is expired. The cardholder should use another payment method and request a new card from the issuer.
106	PIN tries exceeded	Transaction blocked due to too many incorrect PIN entries by the cardholder.
109	Invalid service establishment	Transaction refused and the customer should a different payment method
110	Invalid amount format	An invalid amount was entered, try again with the correct amount and no invalid symbols (dollar sign, etc).
111	Invalid account	The card or account number cannot be validated. Check that you entered the card number correctly.
115	Requested function not supported	The cardholder is not authorized to make this type of transaction.
117	Incorrect PIN	An incorrect PIN was entered by the customer, retry with the correct PIN.
119	Transaction not permitted	This transaction is not permitted by the customer's card.
130	Additional customer identification required	Rerun the transaction using 3D Secure.
181	Format error	Invalid transaction format. Check that the details are correct and retry.
183	Invalid currency code	The entered currency code is not correct. Retry with the correct code.
187	Deny new card issued	Customer was issued a new Amex card but is using the old card.
911	Card issuer timeout	Cannot contact the issuing bank. Retry.
912	Host unavailable	Cannot contact the issuing bank. Retry.

What is a CVV Number? (Protect your card and reduce fraud) 

A CVV number, also known as a CVC code, is a security code used to verify that the customer uses a valid credit or debit card. This code consists of either three digits printed on the back of the card (Visa, Mastercard, and Discover) or four digits printed on the front of the card (American Express). The customer will be asked to provide this number to complete the transaction when making an online purchase.

Using CVV numbers, address verification (AVS), zip codes, and expiration dates reduces the cost of fraud to retailers and card issuers.

What cards are considered credit cards?

A credit card is a payment card that allows the cardholder to carry a balance from month to month instead of paying the balance in full.

Credit cards are used to make purchases online or in retail stores and can also be used to withdraw cash at ATMs.

What cards are considered major credit cards?

There are four major credit cards in the United States: Visa, Mastercard, American Express, and Discover.

What is the strongest credit card? 

The American Express Centurion Card is considered to be the strongest credit card in the world. Known as the Amex Black Card, it is a status symbol with high credit limits and exclusive benefits.

How to get relief from credit card debt? 

There are a few things you can do to get relief from your credit card debt. One option is to transfer your balance to a new credit card with a lower interest rate. Balance transfers help you save money on interest while paying off your debt faster. Another option is to work with a credit counseling agency to create a payment plan that fits your budget. This can help you get back on track with your payments and avoid late fees and penalties. Lastly, consider consolidating your debt with a personal loan. This can help you get a lower interest rate and make one monthly payment instead of multiple payments.

Conclusion: 3782 credit card type? Always an American Express card!

Our results show that 100 different types of 3782 credit cards are issued by seven different financial institutions in the United States. We also know that every credit card number that starts with 3782 is an American Express. We hope this credit card information is a helpful resource that satisfies your curiosity. Credit card numbers change, so accuracy is not guaranteed.