If you’ve ever wondered about the 4147 credit card type, you’re not alone. Whether you’re a consumer checking your card details, a business owner verifying payments, or an eCommerce merchant preventing fraud, understanding what a credit card starting with 4147 means is key. The numbers on your credit card aren’t random—they reveal the card’s network, issuer, and type. In this guide, we’ll break down the 4147 credit card type, explain its Visa connection, identify potential issuers, and share how to use this information. Let’s dive into the world of BINs and card identification in a simple, beginner-friendly way.
What Is a 4147 Credit Card Type?
The 4147 credit card type refers to a credit card that starts with the digits 4147. These four numbers are part of a larger code called the Bank Identification Number (BIN) or Issuer Identification Number (IIN). By looking at these digits, you can identify the card’s network (like Visa or Mastercard) and sometimes the issuing bank. If you’re trying to identify a card by number, knowing what 4147 signifies can help you understand its origins and features.
Understanding BINs (Bank Identification Numbers)
A BIN is the first 6 digits of a credit card number, and it acts like a fingerprint for the card. It tells you:
- The card network: Is it Visa, Mastercard, American Express, or another type?
- The issuer: Which bank or financial institution issued the card?
- The card type: Is it a credit, debit, or prepaid card?
For the 4147 credit card type, the first 6 digits (like 414709 or similar) are tied to Visa credit cards issued by U.S.-based banks or credit unions. A 4147 BIN lookup can confirm the issuer and card details, which is useful for merchants or fraud analysts verifying transactions.
4147 Is a Visa Credit Card Prefix
All credit cards starting with the digit “4” belong to the Visa network, and 4147 is no exception. The Visa credit card prefix 4147 indicates:
- Network: Visa, one of the world’s most widely accepted payment networks.
- Card type: Typically a credit card (though some Visa debit cards may also use this prefix).
- Issuers: Various U.S. banks or credit unions, such as Chase, Wells Fargo, or Navy Federal Credit Union.
The 4147 prefix is part of the BIN, which may extend to 414709 or similar, depending on the issuer and card product. This prefix helps merchants and consumers quickly recognize a Visa card.
Who Issues Credit Cards That Start with 4147?
The 4147 credit card type is issued by several U.S.-based financial institutions. While the exact issuer depends on the full BIN (first 6 digits), common banks and credit unions associated with the 4147 prefix include:
- Chase: A major bank offering a range of Visa credit cards, like the Chase Freedom® series.
- Wells Fargo: Known for consumer and business Visa cards with rewards or low APR.
- TD Bank: Offers Visa credit cards, such as the TD Cash Visa®.
- Navy Federal Credit Union: Provides Visa cards for military members and their families, like the Navy Federal Platinum Visa®.
BIN assignments vary by region, card product (e.g., rewards, secured, or business cards), and issuer. To confirm the 4147 issuer bank, you can use a BIN lookup tool or contact the card issuer directly.
Common Features of Visa Cards with 4147 Prefix
Visa credit cards starting with 4147 come with features that make them secure and versatile for everyday use. Whether you’re shopping online, traveling, or paying at a local store, these cards offer benefits that appeal to consumers and businesses alike.
Benefits of Visa Cards
- Global acceptance: Visa cards are accepted at millions of locations worldwide, making them ideal for travel or online purchases.
- Contactless payments: Most 4147 Visa cards support tap-to-pay for fast, secure transactions.
- EMV chip security: These cards use chip technology to reduce fraud risk.
- Zero liability protection: You’re not responsible for unauthorized charges, giving peace of mind.
- Optional perks: Depending on the card, you may get travel insurance, purchase protection, or cashback rewards.
These features make the 4147 credit card type a reliable choice for personal and business transactions.
Examples of Cards That May Start with 4147
While the exact BIN (e.g., 414709) determines the issuer, here are some popular Visa cards that may use the 4147 credit card type prefix, along with their benefits and details.
Chase Freedom®
- Why it may use 4147: Chase issues many Visa credit cards, and some, like the Chase Freedom® or Freedom Flex®, may start with 4147, depending on the BIN assignment.
- Card benefits:
- Earns cashback on rotating quarterly categories (e.g., 5% on groceries or gas).
- No annual fee, making it budget-friendly.
- Introductory 0% APR on purchases and balance transfers (for a limited time).
- Network and issuer: Visa, issued by JPMorgan Chase Bank.
- Best for: Consumers who want flexible rewards without an annual fee.
TD Cash Visa® Credit Card
- Why it may use 4147: TD Bank issues Visa cards, and the TD Cash Visa® is a popular option that may include the 4147 prefix in its BIN.
- Card benefits:
- Cashback rewards on dining, groceries, and other categories.
- No annual fee and competitive APR.
- Welcome bonus for new cardholders (terms apply).
- Network and issuer: Visa, issued by TD Bank.
- Best for: People who spend heavily on dining and everyday purchases.
Navy Federal Platinum Visa®
- Why it may use 4147: Navy Federal Credit Union issues Visa cards for military members, and the Platinum Visa® may start with 4147.
- Card benefits:
- Low APR for purchases and balance transfers.
- No annual fee or foreign transaction fees.
- Ideal for debt consolidation or travel.
- Network and issuer: Visa, issued by Navy Federal Credit Union.
- Best for: Military members seeking a low-cost card with no foreign transaction fees.
How to Identify a Credit Card by Its BIN or First 6 Digits
If you’re trying to identify a card by number or perform a 4147 BIN lookup, here’s how the process works:
- First 6 digits = BIN or IIN: These numbers identify the card’s network and issuer. For example, 414709 points to a Visa credit card.
- Card network identification: The first digit indicates the network (4 = Visa, 5 = Mastercard, 3 = American Express).
- Issuer details: The BIN reveals the bank or credit union, such as Chase or Wells Fargo for 4147 cards.
- Regional differences: BINs like 4147 are typically tied to U.S. issuers, but the exact bank depends on the full 6-digit code.
- Verification tools: Use online BIN lookup tools or contact your bank to confirm the 4147 issuer bank.
By understanding the BIN, merchants can verify payments, and consumers can track their card’s origins.
FAQs
Is 4147 always a Visa card?
Yes, the 4147 credit card type is always a Visa card because it starts with the digit “4,” which is exclusive to the Visa network. However, the specific issuer (e.g., Chase or TD Bank) depends on the full BIN.
How can I find out which bank issued my 4147 credit card?
To identify the 4147 issuer bank, check the card’s branding or contact customer service using the number on the back of your card. You can also use a BIN lookup tool online by entering the first 6 digits.
Can 4147 credit cards be used internationally?
Yes, Visa cards starting with 4147 are widely accepted globally at millions of merchants. Some cards, like the Navy Federal Platinum Visa®, also have no foreign transaction fees, making them great for international use.
Conclusion
The 4147 credit card type is a Visa credit card, typically issued by U.S. banks or credit unions like Chase, Wells Fargo, TD Bank, or Navy Federal Credit Union. By understanding the 4147 BIN, you can identify the card’s network, issuer, and features, which is valuable for consumers, business owners, and eCommerce merchants. Whether you’re verifying a payment, checking for fraud, or exploring card benefits like cashback or travel perks, knowing the Visa credit card prefix 4147 helps you make informed decisions. For precise details, use a BIN lookup tool or contact your card issuer to confirm the card’s origin and features.
