About American Express
American Express is unique — it operates as both a payment network and a card issuer. Unlike Visa and Mastercard, Amex issues most of its own cards.
How to Identify an Amex Card
- Starts with 34 or 37.
- Card numbers are 15 digits (not 16).
- CVV (CID) is 4 digits on the front.
Amex Card Products
| Product | Segment | Description |
|---|---|---|
| Amex Green | Consumer | Entry-level with travel credits. |
| Amex Gold | Consumer | Dining and grocery rewards. |
| Amex Platinum | Consumer | Premium travel with lounge access. |
| Amex Centurion | Consumer | Invitation-only ultra-premium. |
| Business Gold | Commercial | Flexible business rewards. |
| Business Platinum | Commercial | Premium business travel card. |
| Corporate | Corporate | Enterprise expense management. |
Amex vs Visa/Mastercard
| Feature | Amex | Visa / Mastercard |
|---|---|---|
| BIN Prefix | 34, 37 | 4 / 51-55 |
| Length | 15 digits | 16 digits |
| CVV | 4 digits (front) | 3 digits (back) |
| Issues Own Cards | Yes | No (bank-issued) |
Frequently Asked Questions
What digits do Amex cards start with?
34 or 37. Amex cards are 15 digits long.
Why are Amex numbers 15 digits?
Amex uses: 6-digit BIN + 8-digit account number + 1-digit check digit = 15 total.
Does Amex issue its own cards?
Yes. Amex is both a network and issuer. It also licenses to partner banks (GNS).