If you’ve ever glanced at a credit card starting with 4485 and wondered about the 4485 credit card type, you’re not alone. Many consumers, small business owners, and eCommerce users want to know what kind of card this is, which network it belongs to, and who issues it. The 4485 credit card type is a Visa card, issued by major banks or credit unions. In this beginner-friendly guide, we’ll break down everything you need to know about the 4485 BIN number, its issuer, benefits, and how to identify it—making it easy to understand and use your card confidently.
What Is the 4485 Credit Card Type?
Understanding Credit Card BINs (Bank Identification Numbers)
Every credit card has a unique set of numbers, and the first six digits are called the Bank Identification Number (BIN) or Issuer Identification Number (IIN). These digits tell you which network (like Visa or Mastercard) and which bank issued the card. The 4485 credit card type refers to cards starting with the digits 4485, which is part of the BIN. By looking at these digits, you can identify the card’s network and issuer, which is helpful for verifying transactions or spotting potential fraud.
4485 Belongs to the Visa Network
The 4485 credit card type is always a Visa card. All Visa cards start with the number 4, and 4485 is a common four-digit prefix within that family. Visa is one of the largest payment networks in the world, accepted at millions of locations globally. Whether you’re shopping online, traveling, or paying at a local store, a card starting with 4485 is backed by Visa’s reliable network, ensuring secure and convenient transactions.
Who Issues 4485 Credit Cards?
Cards with the 4485 BIN number are typically issued by well-known U.S. financial institutions. Some of the major banks and credit unions that may issue cards starting with 4485 include:
- Chase: Known for popular cards like the Chase Freedom Unlimited®.
- Bank of America: Offers cards like the Bank of America® Customized Cash Rewards.
- Wells Fargo: Provides a range of Visa cards for consumers and businesses.
- Navy Federal Credit Union: Issues cards like the Navy Federal Visa Platinum® for members.
The exact issuer depends on the card’s specific program and your region. For example, a 4485 IIN lookup might show a card issued by Chase in one state and Navy Federal in another. To confirm the issuer, you can use a BIN lookup tool or check the card’s branding and contact the bank directly.
Benefits of a 4485 Visa Credit Card
Visa Card Features to Expect
Owning a card starting with 4485 comes with the perks of the Visa network. Here are some features you can expect:
- Global Acceptance: Visa cards are accepted at over 80 million merchants worldwide, making them ideal for travel or online shopping.
- Contactless Payments: Most 4485 Visa cards support tap-to-pay for quick, secure transactions.
- EMV Chip Technology: These cards have chips for enhanced security, reducing the risk of fraud.
- Zero Liability for Fraud: Visa’s policy protects you from unauthorized charges, giving you peace of mind.
- Online and Mobile Access: Manage your account, track spending, and pay bills through apps or online portals.
- Variety of Card Types: Cards with the 4485 prefix may include cashback, travel, student, or secured cards, depending on the issuer.
These features make the 4485 credit card type a versatile choice for everyday purchases, business expenses, or building credit.
Examples of Cards That May Start with 4485
Here are some popular Visa cards that may carry the 4485 prefix, along with their features and target audiences.
Chase Freedom Unlimited®
- Target Audience: Consumers and small business owners looking for cashback rewards.
- Rewards and Perks: Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. Enjoy a welcome bonus after meeting spending requirements.
- Annual Fee: $0, making it budget-friendly.
- Why It May Carry a 4485 Prefix: Issued by Chase, a major Visa partner, this card often uses the 4485 BIN number for its Visa-branded versions.
Bank of America® Customized Cash Rewards
- Target Audience: Shoppers who want flexible cashback categories.
- Rewards and Perks: Earn 3% cash back in a category of your choice (like gas, online shopping, or dining), 2% at grocery stores, and 1% on other purchases. Offers a sign-up bonus for new cardholders.
- Annual Fee: $0, perfect for cost-conscious users.
- Why It May Carry a 4485 Prefix: Bank of America issues many Visa cards, and the 4485 BIN is commonly assigned to this card.
Navy Federal Visa Platinum®
- Target Audience: Military members, veterans, and their families who are Navy Federal Credit Union members.
- Rewards and Perks: Offers a low APR and no balance transfer fees, ideal for those who carry a balance. Includes travel and purchase protections.
- Annual Fee: $0, great for budget-conscious members.
- Why It May Carry a 4485 Prefix: Navy Federal’s Visa cards often use the 4485 IIN, reflecting their partnership with Visa.
How to Identify a Credit Card by the First 4 Digits
If you’re trying to figure out the 4485 credit card type, here’s how to identify it using the first four digits:
- Check the First 6 Digits (BIN/IIN): The first six digits, including 4485, form the BIN or IIN, which identifies the issuer and network. For 4485, the network is always Visa.
- Look for the Visa Logo: Cards starting with 4485 will have a Visa logo on the front or back.
- Use a 4485 IIN Lookup Tool: Online BIN lookup tools can confirm the issuer (e.g., Chase or Bank of America). Just enter the first six digits of the card.
- Review Card Details: Check the card’s branding, such as “Chase Visa” or “Navy Federal Visa,” to narrow down the issuer.
- Contact the Issuing Bank: If you’re still unsure, call the customer service number on the back of the card to verify the issuer.
Using these steps, you can confidently identify a credit card starting with 4485 and ensure it’s legitimate.
FAQs About the 4485 Credit Card Type
Is 4485 always a Visa card?
Yes, the 4485 credit card type is always a Visa card. All cards starting with the digit 4 belong to the Visa network, and 4485 is a specific prefix used by Visa issuers.
Can I find out which bank issued a 4485 credit card?
You can identify the issuing bank by using a 4485 IIN lookup tool online or checking the card’s branding (e.g., Chase or Wells Fargo). If needed, contact the bank’s customer service for confirmation.
Are cards starting with 4485 safe to use internationally?
Yes, cards starting with 4485 are Visa cards, which are widely accepted worldwide. They also come with Visa’s zero-liability policy and EMV chip technology, making them safe for international use.
Conclusion
The 4485 credit card type is a Visa card, issued by trusted U.S. banks and credit unions like Chase, Bank of America, Wells Fargo, or Navy Federal Credit Union. Recognizing the 4485 BIN number helps you verify your card’s authenticity, understand its network, and use it confidently for online or in-person purchases. Whether you’re a consumer, small business owner, or eCommerce user, knowing that a card starting with 4485 is a Visa card can prevent fraud and give you peace of mind. Next time you see those digits, you’ll know it’s a reliable Visa card backed by powerful features and global acceptance.
