American Express Card Number Format and Security Features 2019 - American Express, or also known as Amex, is American finance institution headquartered in New York. Established in 1850, this company has become of one major player in financial institutions in America. There are many products offered to the customers, one of which is American Express card.
At glance, it looks like typical credit card from other companies. However, there are some unique things that differentiate Amex card from the others. American Express card number format is one of the unique features provided by American Express, not to mention the security features embedded to the card.
When it comes to consumer cards in general, Amex offers at least three different types; Green card, Gold card, and Platinum card. Also known as charge card, the company released its first card back then in 1958.
As a form of commitment to improve its services, American Express also offers credit cards that can be used for travel throughout the world, even though it is less commonly accepted than MasterCard and Visa. However, the card acceptance remains growing. Due to many card types it has, you need to learn the format of each Amex card. Below, there will be format of most American Express Card Number Format and Security Features 2018.
Can you identify the number format of your American Express card? Some people fail to make identification even though they own Amex card. All they know is card number along with their name printed on the card’s face.
This is not a surprise, considering American Express provides several different types of card which has different formats. Furthermore, not all cards display the information such as card number, identification number, cardholder, and etc. Therefore, it is necessary for American Express card holder to know their card better.
The followings are general American Express Card Number Format and Security Features 2018 as well as security features that you need to understand. Thus, you will not find any problem when using the card either for online purchase or other activities.
It is not a secret that each card provider / issuer has special number to start their card number. This is intentional, allowing the customers to identify what kind of card one is using, only by seeing the first two digits. American Express card numbers are started with “37” or “34”.
This is a rule from American Express that prevails to all of its cards. As comparison, Visa card starts with “4” while Discover starts with “6”. And every MasterCard user must know that their card number is started with “5”. This has been well understood by all card users.
Have you ever wondered how long your American Express card number is? It sounds weird to ask such question, however, it is necessary to help you identify if the number is valid. American Express account numbers are typically 15-digit long, in which it comes with specific format.
American Express Card Number Format and Security Features 2018 includes the digits that have no alterations, spaced in 3 blocks of 4, 6, and 5 digits which are printed from left to right, for examplem“3759 874543 21001”. This is the regulation from Amex related to card number format.
Besides, this also distinguishes American Express number from the others. Take for example, the card numbers of MasterCard, Visa, and Discover are 16-digit long which is spaced in 4 groups consisting of 4 digits.
What makes Amex card number different with other card issuers? The truth, this card number formatting complies with the regulation from the American national Standards Institute. This is an organization that is charged with the task of allocating identification numbers of issuer to the card networks. All IINs network uses the same first six digit numbers of “375987”.
Identification number is considered essential in every card. This is a security code that is equivalent to CVV2 for Visa or CVC 2 for MasterCard. Whenever you make online transaction that requires card number, chances are that you have to input the identification number.
Unlike the other card issuers that use 3-digit format for identification number and places on the back of the card, American Express uses 4-digit format which is printed above the card number. Interestingly, it is located on the card’s face.
American Express card locate the cardholder name in the lower left corner of the card. There is no difference with other card issuers. In the card’s face, there are some other information including opening date. The date is printed in emboss to the right of expiration date.
For comparison, Amex’s competitors print this date to the left of expiration date. Where is the expiration date located? American Express card locates the expiration date right above cardholder name. It uses format mm/yy.
American Express uses Centurion or gladiator as its logo, which appears on most Amex cards. The figure evokes classical antiquity. On the card, you will also see AMEX word that is only visible under UV light.
In addition, every card from American Express comes with Centurion image hologram which is embedded into magnetic stripe. This hologram helps you identify if a card is authentic or counterfeit.
Like the other card, American Express card provides signature stripe on the back of the card. This signature stripe is located under the magnetic stripe. The stripe consists not only signature field but also account number.
This is what makes Amex quite different with other competitors—most of them only print the last 4-digits of the card number in the same field. The authentic card must have the same card number on the card’s face and on the back of the card.
Those are some things that you need to know related to American Express Card Number Format and Security Features 2018. It is necessary to get to know the characteristics of authentic card format, therefore, you can easily identify whether or not a card is valid. In fact, Amex number can also be validated, just like the other card numbers. It is quite simple to validate your American Express card using Luhn Algorithm.
As technology is getting more sophisticated, irresponsible people always find their ways to take advantages from others, even though by doing something unlawful. Regarding Amex card number, there are some cases of counterfeit card.
Hence, understanding the valid American Express Card Number Format and Security Features is a necessity, in order to prevent you from being deceived. Previously, you have learned how to identify valid Amex card. Now, you also need to know how to recognize counterfeit Amex card from its appearance.
Do you know? You can recognize counterfeit Amex card from its overall appearance. If you find new Amex card looks dull in some parts, you need to be aware. The card is made with high-gloss finish. Even though time can make the finish worn out, you have to be careful when seeing new Amex card that looks dull. Besides, bumpy surface or bent edges may also be another sign of counterfeit card.
Recognizing American Express can also be done by identifying the card’s face. You have understood valid American Express Card Number Format and Security Features 2018. At the time you find something wrong or different with the card, please directly contact the customer service or go directly to the bank.
From the front card, identify whether or not the black in on the embossed number is messy or smudged. This can be a sign that the card is invalid. Furthermore, crooked or out of line printed number must trigger your awareness.
Some counterfeit cards are also re-embossed to make different identity. This will cause “ghost” image around the embossed printing including name, number, and date. In case you have used the card, make sure the name printed on the receipt match the name on the front of the card.
On the back of the card, American Express card only comes with card number. To identify from the back side, you need to make sure if the card number printed on the back match the number embossed on the card’s face. This is quite easy to identify.
Furthermore, there is magnetic stripe that can be identified. Is the stripe scratched or destroyed? The last but not least, also check if the signature panel is whited out, erased, or taped. In case you find something suspicious, you need to recheck the validity of the card and make a call to American Express authorizations.
In a nut shell, American Express card is one of versatile products for Amex customers. Amex card is uniquely design to distinguish the product from the other card issuers such as Visa, Discover or MasterCard. Among its uniqueness, American Express Card Number Format and Security Features 2018 is one that you should consider.
The characteristics of Amex card include number of digits along with its format, identification number location, and others. Understanding typical format of American Express allows you to make sure if certain Amex card is valid.