Credit cards are magical. Depending upon the amount that is set by the bank, credit card users can make as many purchases as they want (within the defined limit) even without having any money available in the bank. As unrealistic as this may sound, this is what credit cards really do. It is important that the credit card users pay back the whole amount to banks that they have used for different shopping purposes.

Credit cards can be used for online transactions as well. Most online stores have a mechanism in place, which allows you to enter the credit card number, and they receive the payments easily. Many people assume that the numbers on your credit card represent routing numbers. If you are facing a similar confusion, read this blog to find the answer to the most common question; do credit cards have routing numbers or not.

Do Credit Cards have Routing Numbers

Before we dive into the answer of this age-old question, let us take a look at what routing numbers are and what their purpose is in the world of credit cards.

What is a Routing Number?

Any unique combination of numbers that is used to identify a bank in the United States of America are called routing numbers. This number system was invented in the year 1910 to facilitate the process of banks and has been in practice ever since.  

There are several different names for routing numbers such as the ABA number and routing transit numbers. All three words stand for the same thing.

What are Routing Numbers Used for?

In the good old days, people would exchange goods with each other. With the advent of financial institutions and money transactions, things became slightly more complicated. Today, if you transfer money from one account to another, there is no physical exchange of the money. Instead, one bank passes on the information to another bank that the following numbers have been updated. To keep track of this information in different banks, routing numbers are used.  

The routing numbers have made it very easy to manage information on the bulk of checks that are received by the banks all over America. Funds are directed from one business account to another with the help of routing numbers. It is important to remember that routing numbers are important throughout the world. The validity of a check throughout the world majorly depends upon the routing number that is present on it.

Apart from benefiting the banking industry, if you are performing any online purchase, this is one of the most basic and important numbers required to make the transaction complete. Similarly, if you are pressing checks, it is mandatory to be aware of the routing numbers.

The routing number on checks is like a secret bank language that is verifiable and translatable in every bank of the world. This means that if you take your check to another country and ask its bank to cash the check for you, they can easily check its validity with the routing number on the check. You can receive funds instantly in such scenarios.

What is the Routing Number on Credit Cards?

According to the common misconception, most people assume that just like checks, their credit cards also have a routing number on them. It is important to remember that there is no routing number on credit cards.

Instead of the 9-digit routing number, the credit has a sequence of its own numbers that are a minimum of 16 digits. These numbers can be found on the front or back of your credit card. The location of where your credit card number is placed entirely depends upon the design of the credit card. This design is unique and different for every bank. This is why some people may have the credit card number on the back of the card, while others may have it on the front.

Credit cards do not require a routing number because the transaction of a credit card is between other credit cards. Since the credit card does not interact with the savings account, checking account, and investment account, there is absolutely no need for the credit card to have an additional number attached to it that will ultimately have no purpose in the end anyways. Banks such as the Bank of America, Chase, Fargo, and many others that offer credit cards do not have a routing number on them.

While there is no need for a routing number while making a transaction, it is important to have a defined routing number present in your hand at the time of setting up a payment method for that credit card. This means that the amount you pay back borrowed from the bank is sent to the bank account that has an existing routing number. Without this routing number in place, you will never be able to connect to the bank account to pay back your loans. This does not in any way or form mean that your credit cards have a routing number.

The Purpose of Credit Card Numbers

Now that we know that credit cards do not have any routing numbers, our next thought is if there is no need for them, why is there the need of a credit card number? Well, the purpose of credit card numbers is very straightforward. They are used to understand and manage the payment process that is completed through the credit cards.

Credit card numbers serve as the identifying number for any transactions that are made through it. The number is unique for every credit card that is owned by an individual. This allows the banks to know which payment came from where and who made the payment on time. It is used to manage all the records relevant to any transactions made from the credit card. Through this number, banks can keep track of the individual who owns the credit card and call him in if the need arises.

What Information Does Your Credit Card Contain?

The next question that comes into mind is about the information that is present on your credit card. Multiple pieces of information are stored on your credit card Here is an introduction to some of them

Name of the Bank

Any financial institution that will issue a credit card will ensure that their name and logo are on top of it.

Card Owner’s Name

The name of the person who owns the credit card is also present on the card.

Credit Card Number

A unique 16-digit number is also present on the card. This number helps in distinguishing one credit from another so that there are no confusions at the time of transactions. This number helps in identifying the institution that issued the card as well as the account number that corresponds to the credit card number.

Expiration Date

Each bank or financial institution has set a number of years after which the credit card no longer functions and it has to be renewed once again. The expiration date is a good mechanism to ensure that no frauds are being performed with the credit card in the longer run. This improves the overall functionality.

If you fail to renew your credit card by the expiration date, it does not mean that your bank account will be closed. Instead, the credit card stops working. All you have to do to get it running is to go to the bank and get it renewed after providing all the relevant information. Within two weeks of the renewal request, you can either go to the bank and receive the credit card in person or ask the financial institution to send the credit card via mail to you.

Magnetic Strip/Chip

This little piece of magnet or chip contains all the information about you in the credit card. The chip is being replaced in most of the credit cards these days because it is more convenient to use and comparatively safer as well.

Type of Credit Card

Financial institutions offer different types of credit cards to their users. For example, some institutions offer Silver, Gold, Platinum, or Black credit cards to their users depending on the amount of purchases they are willing to make through the credit card. This type is mostly mentioned or the credit card is designed in a way to ensure that you can distinctly see it.


Credit cards are an incredible source of finances. They have changed human lives in many different ways. The need for paper money is reducing with every day that has a very good impact on the overall environment as well. From this article the answer to do credit cards have routing numbers is very clear. It is a very big and straightforward no. This is because credit cards do not function because of numbers or account types in general. They do have credit card numbers that have 16-digits in them. These numbers are used to identify the uniqueness of the credit card and its owner.


Here are some of the answers to the most frequently asked questions:

  1. Is Your Routing Number on Your Credit Card?

    No, your routing number is not on your credit card. This is because there is no need to associate a credit card with the routing number.

  2. Where is the Routing Number on a Credit Card?

    You cannot find the routing number on a credit card because there is no need for it. However, there is a distinct credit card number present on it either on the front or back of the card.