FakecreditcardAbout BIN 646498
In our BIN data, 646498 is a Discover Personal credit card range that belongs to Discover Issuer, registered in the United States. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Personal marks an entry-level consumer product.
With 12,233 BINs, Discover Issuer ranks the largest among the 775 banks we list for the United States. The Discover Issuer BIN list shows all of them with network, type and level.
Across the United States, the dataset counts 156,869 BINs; among the 73,133 that name an issuer, the main networks are Visa (50%), Mastercard (22%), Discover (17%), and 46% are debit. See the United States BIN list or the United States card generator.
Discover number format for BIN 646498
| Starts with | 646498 (the BIN). First digit 6: merchandising and banking |
|---|---|
| Length | 16 digits (up to 19) |
| Security code | 3-digit CID on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 6464 9864 7600 8699 |
When you test with this BIN, check that your form shows the Discover logo, groups the 16 digits correctly and rejects numbers whose check digit is wrong. The generator creates as many numbers with this BIN as you need, with expiry dates and CVVs, as CSV, JSON or XML.
Nearby BINs
BINs just below and above 646498. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Discover Issuer
All 12,233 BINs of Discover Issuer →
Frequently asked questions
Which bank issued BIN 646498?
BIN 646498 is registered to Discover Issuer in the United States. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 646498 a debit or a credit card BIN?
It is recorded as credit, product level Personal. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
How many digits does a card with BIN 646498 have?
Discover card numbers have 16 digits (up to 19), and the security code is a 3-digit CID on the back. The first six digits are the BIN, the last digit is the Luhn check digit, and the digits in between identify the account.
Can I generate test card numbers with BIN 646498?
Yes. Open the generator with this BIN to create Luhn-valid numbers with expiry dates and CVVs for testing forms, validation and BIN-based rules. They are test data: not issued by Discover Issuer, linked to no account and declined by real payment systems.
Does a BIN tell me whether a card is valid?
No. A BIN describes a range of card numbers — network, issuer, country and product — not a particular card. Whether a card exists or can be charged is known only to the issuing bank. To check the format of a full number (length and check digit), use the card validator.
A BIN identifies the card network and the issuing institution only. It reveals nothing about an individual card, cardholder or account, and it cannot show whether a card exists or can be charged. Test numbers generated from a BIN are for development and QA only and are declined by every real payment system.
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BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.