FakecreditcardReal BINs from banks in the United States
The generator above is preset with BIN 510255, a Mastercard debit range of Fiserv Solutions, LLC. Click "Use" next to any other bank to switch; the BIN stays fixed while the rest of the Mastercard number is random, closed by a Luhn digit.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 510255 | Fiserv Solutions, LLC | Mastercard | Debit · Standard | Use |
| 405957 | Bank of America, National Association | Visa | Debit · Classic | Use |
| 401135 | JPMorgan Chase Bank, N.A. | Visa | Credit · Traditional | Use |
| 401671 | Wells Fargo Bank, N.A. | Visa | Debit · Classic | Use |
| 403902 | Card Services for Credit Unions | Visa | Credit · Classic | Use |
| 401926 | U.S. Bank, N.A. | Visa | Debit · Classic | Use |
| 510934 | Jack Henry & Associates | Mastercard | Debit · Business | Use |
| 510318 | Fidelity Information Services, Inc. | Mastercard | Debit · Enhanced | Use |
| 601101 | Discover Issuer | Discover | Credit · Personal | Use |
One representative Visa/Mastercard range per major bank, plus local-network BINs. All 72,770 BINs with a named issuer are in the United States BIN list.
Local card networks in United States
Besides the international networks, the United States has its own card scheme. Its numbers often use prefixes that a Visa/Mastercard-only form rejects or labels wrongly, so test them on purpose.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| Discover Discover Global Network (Discover Financial Services, acquired by Capital One in 2025) |
6011, 644-649, 65 | 16, 17, 18, 19 | Yes | No. Source |
| Diners Club International Diners Club International |
30, 36, 38, 39 | 14, 15, 16, 17, 18, 19 | Yes | No. Source |
| American Express American Express Company |
34, 37 | 15 | Yes | US-based global network; card numbers are 15 digits with a 4-digit CID printed on the front. No. Source |
BIN counts for local networks in our dataset:
| Network | About | BINs | Share | Example BIN |
|---|---|---|---|---|
| Discover | a US network, also accepts Diners Club and JCB cards in the US | 14,629 | 9% | 601101 Discover Issuer |
Card networks and card types in the United States
We count 156,869 card BINs for the United States — 72,770 with a known issuer, from 6,867 banks. The largest network is Visa with 33% of the ranges, followed by Diners Club (19%). Credit ranges outnumber debit ranges 96,403 to 60,466. Visa ranges outnumber Mastercard 2.9 to 1. 5,670 ranges are prepaid or gift products and 38,583 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 51,436 | 33% | 21,314 | 30,122 |
| Diners Club | 29,871 | 19% | 3 | 29,868 |
| Mastercard | 17,983 | 11% | 10,236 | 7,747 |
| EBT | 16,513 | 11% | 16,497 | 16 |
| Discover | 14,629 | 9% | 2,203 | 12,426 |
| American Express | 14,512 | 9% | 117 | 14,395 |
| Private label | 4,807 | 3% | 4,591 | 216 |
| Cirrus | 4,645 | 3% | 4,645 | 0 |
Most common product levels: Business (34,614), Classic (19,966), Personal (18,771), Traditional (4,471), Standard (3,935).
Largest card issuers in the United States
The 10 banks with the most BINs in the data, out of 6,867 named issuers. Concentration is moderate: the top three issuers (Discover Issuer, American Express US Consumer and Fiserv Solutions) hold 25% of the named BINs. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Discover Issuer | 12,233 | Discover | 14% |
| American Express US Consumer | 3,957 | American Express | 0% |
| Fiserv Solutions, LLC | 2,194 | Mastercard | 91% |
| Bank of America, National Association | 1,758 | Visa | 51% |
| JPMorgan Chase Bank, N.A. | 1,739 | Visa | 23% |
| Wells Fargo Bank, N.A. | 1,695 | Visa | 68% |
| Card Services for Credit Unions | 1,297 | Visa | 24% |
| U.S. Bank, N.A. | 1,140 | Visa | 54% |
| Jack Henry & Associates | 1,006 | Mastercard | 94% |
| Fidelity Information Services, Inc. | 875 | Mastercard | 86% |
Payment testing notes for the United States
- Currency: USD (US dollar). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: There is no regulatory strong-customer-authentication mandate for US online card payments; 3-D Secure is optional and mainly used to shift fraud-chargeback liability to the issuer. Source
- Card country: Fraud rules often compare the BIN country (US) with the shopper's IP address and billing address. Use a BIN from the United States for the domestic path and a foreign BIN for cross-border rules.
- Debit vs credit: Only 39% of the BINs from the United States are debit ranges — fewer than in 39 of the 62 other countries we cover. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in the United States are 5-digit ZIP code, optionally followed by a hyphen and 4 more digits (ZIP+4) (e.g. 10001 or 10001-1234); phone numbers use +1 — 10 digits: 3-digit area code + 7-digit number, written (NPA) NXX-XXXX; trunk prefix 1. Generate United States test addresses.
- Address Verification (AVS) compares the billing ZIP code and street number with the issuer's records, so test forms with both 5-digit and ZIP+4 codes.
- American Express and Discover are US-based networks; US checkouts normally accept them next to Visa and Mastercard.
Paying online in United States: local methods and gateways
Cards are only part of the picture. These payment methods are popular in the United States and usually sit next to the card form at checkout:
- ACH Direct Debit (bank transfer) — Debits a verified US bank account after the customer accepts a mandate; confirmation can take up to 4 business days. Source
- Cash App Pay (wallet) — Customer-initiated wallet payment from Cash App, supported by Stripe in USD. Source
Payment gateways developers commonly integrate for the United States, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Stripe | US-founded PSP with a full test mode and published test card numbers. | Stripe test cards |
| Braintree (PayPal) | Sandbox environment accepts only Braintree's listed test card numbers. | Official docs |
| Authorize.net | Long-standing US gateway with a separate sandbox and testing guide. | Authorize.net test cards |
Card generators for other countries
← Generators for other countries · United States BIN list · BIN generator · BIN checker
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.
Frequently asked questions
Can I generate a United States credit card number for testing?
Yes: the default prefix is 510255, a Mastercard debit range of Fiserv Solutions, LLC. The generator adds random digits and a Luhn check digit, plus an expiry date and CVV. Nothing is attached to them, so any real charge is declined.
Which card networks are most common in United States?
By BIN count in our data: Visa 33%, Diners Club 19%, Mastercard 11%, EBT 11%. Local networks: Discover (14,629 BINs). Debit ranges make up 39% and credit ranges 61%.
Which BINs do Visa cards from the United States start with?
Examples from different banks: 405957 (Bank of America, National Association); 401135 (JPMorgan Chase Bank, N.A.); 401671 (Wells Fargo Bank, N.A.); 403902 (Card Services for Credit Unions). See the United States BIN list for every bank.
Which currency should I use to test payments from United States?
USD (US dollar). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). If you sell abroad, test USD and your settlement currency — cards from the United States work with both.
Can I use a generated United States card number to buy something?
No — format only. Banks in the United States decline numbers they never issued, which is every generated number. If you need to pay, a bank virtual card or a wallet such as Cash App Pay is the safe route. Testing a checkout? Use your gateway’s sandbox test cards.
What does a Discover card number look like?
Discover numbers start with 6011, 644–649 and 65 and have 16/17/18/19 digits with a Luhn check digit. Make sure your card form accepts these prefixes instead of rejecting them as an unknown brand.
Which payment methods should a checkout for United States offer next to cards?
ACH Direct Debit: Debits a verified US bank account after the customer accepts a mandate; confirmation can take up to 4 business days. Cash App Pay: Customer-initiated wallet payment from Cash App, supported by Stripe in USD.