Everything You Need to Know About American Express Card Numbers

The American Express Company, or Amex, is a multinational financial services corporation that offers credit cards, charge cards, and other financial products to individuals and businesses worldwide. One of the most important aspects of any credit or charge card is the number associated with it. In this article, we’ll dive deeper into American Express card numbers, what they are, how they’re structured, and how to keep them safe.

Everything You Need to Know About American Express Card Numbers

What Are American Express Card Numbers?

An American Express card number is a unique identification number that is assigned to each credit or charge card issued by the company. The number typically consists of 15 digits and can be found on the front of the card. The first six digits of the number represent the Issuer Identification Number (IIN), which identifies the issuer of the card.

How Are American Express Card Numbers Structured?

American Express card numbers are structured in such a way as to provide important information about the card itself. Here’s a breakdown of what each digit represents:

  • Digits 1-6: These digits represent the IIN and identify the issuer of the card.
  • Digit 7: This digit represents the type of card. For example, most personal cards have a digit 7 that corresponds to a standard credit or charge product.
  • Digits 8-15: These digits represent a unique account identifier for each individual account.

How Can I Protect My American Express Card Number?

As with any financial product that involves personal information, it’s important to take steps to protect your American Express card number from fraudsters and identity thieves. Here are some tips for keeping your information safe:

  • Don’t share your card number with anyone unless you trust them implicitly.
  • Shred any documents containing your card number before disposing of them.
  • Use caution when making online purchases and make sure you’re using reputable websites that encrypt your information.
  • Monitor your account regularly for any suspicious activity and report any discrepancies to American Express immediately.

What Should I Do if My American Express Card Number is Stolen?

If you suspect that your American Express card number has been compromised, there are several steps you should take:

  • Contact American Express as soon as possible to report the theft or loss of your card.
  • Review your account activity carefully and report any unauthorized charges to American Express.
  • Consider placing a fraud alert on your credit reports with all three major credit bureaus (Experian, Equifax, and TransUnion).
  • Keep a close eye on your credit reports for any unusual or fraudulent activity.


American Express card numbers are an important aspect of using a credit or charge card issued by the company. By understanding how they’re structured and taking steps to protect them from fraudsters, you can help ensure that your financial information stays safe and secure. If you ever suspect that your card number has been stolen or compromised, don’t hesitate to take action to protect yourself and your finances.


What is the format of American Express card numbers?

American Express card numbers are made up of 15 digits. They always start with either “34” or “37” and have a unique structure that differentiates them from other credit card numbers.

How do I know if a credit card number is an American Express number?

If the credit card number begins with “34” or “37”, it’s likely an American Express card number. You can also check the front of the physical card, as it will usually have the American Express logo present.

Are there any security features built into American Express card numbers?

Yes, American Express uses a range of security features to help protect users against fraud and identity theft. These include things like CVV codes, which are required for online transactions, and their SafeKey system, which helps verify user identities during transactions.

Can I use my American Express card for international purchases?

Yes, you can use your American Express card to make purchases outside of the United States. However, keep in mind that some merchants may not accept American Express cards in certain countries or regions, so be sure to check ahead of time if possible.

Do all American Express cards have the same rewards program?

No, not all American Express cards have the same rewards program. Different cards offer different rewards programs depending on things like annual fee and spending habits. Be sure to compare different options before choosing a rewards program that works best for you.

How do I activate my new American Express card once it arrives in the mail?

To activate your new Amex card once it arrives in the mail, simply follow the instructions provided on the back of your new card or visit their website to activate online using your account information.

What should I do if my American Express card is lost or stolen?

If your American Express card is lost or stolen, contact customer service immediately to report the issue and request a replacement. You can also freeze your account temporarily using the Amex app or website to prevent any fraudulent charges from being made.

How does American Express protect my personal information?

American Express takes user privacy seriously and employs a range of security measures to help protect personal information. These include things like encryption protocols for online transactions, two-factor authentication for user accounts, and regular monitoring for suspicious activity.

Can I add an authorized user to my American Express card?

Yes, you can add an authorized user to your Amex card by logging into your account online or contacting customer service directly. Keep in mind that you will be responsible for any charges made on your account by authorized users, so choose carefully.

What should I do if there’s an error on my Amex statement?

If there’s an error on your statement, contact customer service immediately to report the issue and request a correction. It’s important to review each statement carefully and report any discrepancies as soon as possible to avoid further issues down the line.

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