Do Credit Cards Have Routing Numbers?

Men using laptop computer at work.
Poike / Getty Images/iStockphoto

When managing financial transactions, understanding the unique elements of payment methods is crucial. One common question that arises is whether credit cards have routing numbers, similar to checking accounts. Keep reading to find out.

What Is a Routing Number?

A routing number is a unique nine-digit code used by banks and financial institutions to identify themselves in the United States. It’s an essential part of processing many financial transactions, including direct deposits, electronic payments and automatic bill payments. Typically found on the bottom of a check, the routing number ensures that funds are accurately transferred between banks during transactions.

Do Credit Cards Have Routing Numbers?

Credit cards do not come with routing numbers. This is because credit cards operate on a different financial system compared to bank accounts. Credit cards utilize a 16-digit card number for identification and transaction processing. This card number, along with other details like the expiration date and CVV, is used to authorize and complete credit card transactions. Here are some key takeaways to know:

  • Credit cards vs. bank accounts: Unlike bank accounts, credit cards do not have routing numbers. Credit cards operate on a different system and use card numbers, which are the long numbers on the front of the card, for identification and processing.
  • Unique credit card details: Instead of a routing number, credit cards have a 16-digit card number, an expiration date and a CVV for transactions.

Debit Card Routing Numbers

Do debit cards have routing numbers? A routing number for a debit card is the same as the routing number for the bank account to which the debit card is linked. It is used for identifying the financial institution in transactions such as direct deposits and automatic payments. You won’t find this number on the debit card itself but in your bank’s online portal, on checks or in bank statements.

Good To Know

Confusion often arises due to the physical similarities between checks and credit cards, as both carry a series of numbers. However, their functionalities are different.

For bank accounts, routing numbers and account numbers are critical for executing various transactions, including wire transfers and setting up direct deposits.

In contrast, when you use a credit card, the transaction is processed using the card number, expiration date and CVV. This process is different from the one that involves routing numbers.

Get Credit Card Perks

Final Take

Credit cards do not have routing numbers, as they operate on a different system designed for credit-based transactions. Understanding this distinction is vital for effectively managing your finances and ensuring smooth transactions, whether you’re setting up a direct deposit, paying bills or using your credit card for purchases.


Here are the answers to some of the most frequently asked questions regarding routing numbers.
  • How do I find my routing number on my card?
    • Credit cards do not have routing numbers. If you're looking to make a transaction that requires a routing number, you'll need to use a bank account, not a credit card.
    • If you are using a debit card, the routing number is not located on the debit card itself. Instead, it's associated with the bank account that the debit card is linked to. You can find the routing number on your bank statements, by logging into your online banking portal or by contacting your bank directly.
  • Where is the routing number on a pay card or debit card?
    • Pay cards, like debit cards, typically do not display the routing number directly on them. The routing number is associated with the account or financial institution that issued the pay card. To find the routing number for a pay card, you may need to do the following:
      • Check the documentation provided with the card
      • Access your online account associated with the pay card
      • Contact the issuer for this information
  • Is my routing number the same as my account number?
    • No, your routing number is not the same as your account number. The routing number is a nine-digit code that identifies the financial institution, while the account number is a unique number that identifies your specific account within that institution. Both numbers are crucial for banking transactions but serve different purposes. Your account number is usually found right next to the routing number on your checks, in your online banking portal or your bank statements.

Sarah Sharkey contributed to the reporting for this article.

Editor's note: This article was produced via automated technology and then fine-tuned and verified for accuracy by a member of GOBankingRates' editorial team.


See Today's Best
Banking Offers