Is There a Way to Tell If a Card Number Is Debit or Credit?

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Is There a Way to Tell If a Card Number Is Debit or Credit?

Million Mile SecretsIs There a Way to Tell If a Card Number Is Debit or Credit?Million Mile Secrets Team

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Million Mile Secrets reader matthewD commented:

How can I look at a card number to tell if it’s a credit card or debit card like rental car companies are able to do?  Or is this a more complicated program that sorts through the Binlist info?

matthewD is referring to the Binlist.net website, which can tell you the card issuer, brand of card, category, and country for any credit card from the 1st 6 digits.

But does Binlist work for debit cards too?

Is There A Way To Tell If A Card Number Is Debit Or Credit
Is There a Way to Tell If a Card Number Is Credit or Debit?

Binlist Works for Debit Cards, Too!

Link:   What Do the Numbers on Your Credit Card Mean?

Link:   Binlist

I’ve written that there’s a lot more information contained in a credit card number than most folks realize.  And the same can be said for debit cards!

There’s no way to look at a debit card number and tell right away that it’s debit and not credit, although if you’re looking at a physical card, it should say “debit” somewhere on it.

But if all you have is the card number, you can enter the 1st 6 digits on the Binlist website to find out!

You’ll also get information on the card issuer, type, category, and country.

For example, here’s the Binlist entry for a debit card issued by Community Bank in the US.

Is There A Way To Tell If A Card Number Is Debit Or Credit
Debit Cards Are Clearly Marked as Such on Binlist

And here’s a debit card issued by a Canadian bank.

Is There A Way To Tell If A Card Number Is Debit Or Credit
Cards From Other Countries Are Also Easily Identified as Debit

I wondered if Binlist worked for prepaid gift cards, too.

Binlist Works for Gift Cards

I entered the 1st 6 digits from a couple of gift cards to see if Binlist would work.

Here’s the entry for a Vanilla Visa card.  It’s clearly stated that it’s a prepaid debit card.

Is There A Way To Tell If A Card Number Is Debit Or Credit
Vanilla Visas Are Clearly Prepaid Debit Cards

However, Binlist revealed very little information about a Sunrise Bank prepaid debit MasterCard.  There’s no way to tell if it’s credit, debit, or even the issuing bank!  It just says it’s a MasterCard.

Is There A Way To Tell If A Card Number Is Debit Or Credit
Very Little Information Given for a Sunrise Bank Prepaid Debit MasterCard

So while Binlist seems consistent at providing information on credit and debit cards, their entries for gift cards seem to be more hit-and-miss.

Bottom Line

There’s no immediately obvious way to tell if a card number is credit or debit (unless you have the physical card in front of you).  But the Binlist website will tell you when you enter the 1st 6 digits of the card number.

Binlist also works to tell if a card is a prepaid debit gift card, but it’s not as consistent at providing information.

Thanks for the question, matthewD!

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Hello I noticed that when I attempt to verify an Amex card that it comes back as a debit card? Why would it do that when I know in fact that it is a credit card?

I don’t think Binlist has actual data on debit and credit cards. When I checked my Visa it came out in error. BinBase.com is so much better in terms of accuracy.

Good to know, thanks for sharing!

I made a mistake with my card number can I correct it

You’re welcome Daraius. Thank you for the answer.