Routing numbers: do credit cards have them?

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When you enter the world of banking, it’s easy to wonder if credit cards have routing numbers. After all, other accounts have routing numbers, and your credit card has a 16-digit number. But unlike other types of banking products, credit cards do not have routing numbers.

Let’s take a closer look at why credit card don’t have routing numbers and what that means for your credit card experience.

Do credit cards have routing numbers?

No, credit cards do not have routing numbers. Instead, credit cards have a 16-digit account number.

When using a credit card, a routing number is not required to complete the transaction. Instead, your credit card is associated with an account number that allows banks to track their charges.

Although your credit card issuing bank may have a routing number, the credit card itself will not have a routing number.

Why Credit Cards Don’t Need Routing Numbers

Credit card don’t have routing numbers because they just don’t need them. Routing numbers are needed to transact between two bank accounts. For example, a bank transfer Where Check would involve a routing number to finalize the process. However, a credit card uses an account number to link your card transactions to your account.

As you probably know, credit cards have an account number. Typically this is printed directly on the front or back of the card. If your physical card doesn’t display an account number, check your card’s online portal to find your account number. The account number is used for payment processing. But there is no need to have a routing number as the funds are not transferred from one bank account to another. Instead, the credit card issuer will keep a running tab of your charges, which you can pay at a later date.

What is a routing number?

A routing number, or Routing Transit Number, is an identification number for a financial institution. According to the US Treasury Department, the routing number is “the number identifying the bank where you have your control, savings or business account. Sometimes routing numbers are labeled ABA routing numbers, with a nod to the American Bankers Association.

What types of accounts have routing numbers?

If you work with a big bank, some accounts will have routing numbers. For example, you should expect to see a routing number linked to your individual checking and savings accounts. As business ownersbusiness checking accounts and savings accounts will also have routing numbers associated with them.

Why do banks have routing numbers?

The purpose of a routing number is to identify banks while performing financial transactions. When a transaction is initiated, a clearinghouse will use the routing number to properly process the financial transaction. For a financial institution to obtain a routing number, it must be deemed eligible for a primary account by a Federal Reserve Bank. Before receiving a routing number, the financial institution must prove that it has the credentials of a federally or state-chartered institution.

Without routing numbers, it is difficult to complete financial transactions in a streamlined and accurate manner. In 1910, the routing number system was started. With an easily identifiable 9-digit code, it is easier to follow the different financial institutions during a financial transaction.

In addition to a routing number, you will also need to provide your account number for a transaction to complete. Both pieces of the puzzle are necessary for the modern banking system to work effectively.

Where can I find my routing number?

Some large financial institutions have several different routing numbers for different areas of business. In some cases, financial institutions will create different routing numbers for different types of transactions. With that in mind, finding your routing number can sometimes be a little tricky.

However, you should be able to find your routing number at the bottom of your checks. The 9-digit routing number will be the first set of numbers at the bottom left of your check. If you don’t have a check handy, you may be able to retrieve your routing number through your online banking gate. For example, your banking platform may have your routing number obviously linked to your account.

Many financial institutions also keep their routing numbers readily available at the bottom of their website. It must indicate either the routing number or the ABA number. If you still can’t find your routing number, that’s okay! Simply call your financial institution’s customer service team. They should be able to provide the numbers you need quickly.

What is a credit card account number?

A credit card account number is a 16-digit string that identifies your credit card.

Within the string of numbers, there are identifying characteristics that indicate more details about your credit card. For example, the first digits of the card number indicate which credit card issuer you work with. All American Express account numbers start with 37 or 34, while credit card account numbers issued by Mastercard start with 5.

After these first digits, the next six to eight digits indicate the financial institution that issued the card. And the other digits of the account number are unique to your specific account. Ultimately, your credit card account number is a unique string of numbers that links your credit card transactions to your credit card statement.

What is the difference between a routing number and a credit card account number?

The routing number linked to your financial institution is a code unique to your financial institution. However, multiple accounts from the same bank will use this routing number to complete transactions.

In contrast, your credit card account number consists of a unique string of numbers associated only with your credit card. Since credit card transactions involve different payment processing protocols and channels, a routing number is not necessary for credit cards.


When using your credit card, you do not need to provide a routing number. If you are looking for the account number to complete a transaction with your credit card, you can often find the necessary 16-digit code directly on your credit card.

Information is accurate as of November 21, 2022.