What credit card starts with 55?

Credit cards that start with the digits 55 are Diners Club cards issued in Canada and the United States.

Understanding Payment Card Numbers

The first few digits of a credit card number are known as the Issuer Identification Number (IIN) or Bank Identification Number (BIN). These digits identify the card's issuing institution and the payment network. For Diners Club cards, specifically those originating from North America, the 55 prefix is significant.

Diners Club Cards and Their Global Acceptance

While Diners Club is a distinct payment network, cards issued with certain prefixes, like 55, have unique interoperability.

• Diners Club cards issued in Canada and the United States starting with 54 or 55 are universally treated as Mastercard cards. This means they are accepted wherever Mastercard is accepted worldwide, significantly expanding their utility beyond the traditional Diners Club network.
• International Diners Club cards, which typically begin with the prefix 36, are treated as Mastercards when used in Canada and the United States. However, outside these regions, they function specifically as Diners Club cards.

This dual treatment mechanism ensures broader acceptance for Diners Club cardholders, leveraging the extensive global reach of the Mastercard network.

Key Prefixes for Diners Club Cards

To illustrate the different prefixes and their associated global treatment, refer to the table below:

This shows how Diners Club strategically partners to ensure their cardholders have extensive purchasing power across different geographical regions and merchant networks.

For more information on payment card numbers and their structures, you can consult resources on Payment Card Number.