Your Chase credit card number is the 16-digit code printed on the front of your card
The number on your Chase credit card is your Primary Account Number (PAN), and it identifies your specific account within Chase's system. It appears in two places: embossed (raised) on the front of the physical card, and printed on your statement and in the Chase mobile app. This is the number you use when you make purchases online, over the phone, or in person.
The 16 digits are not random. The first digit identifies the card network (4 for Visa, which is what most Chase cards are). The next five or six digits identify Chase as the issuer. The remaining digits are your unique account identifier. You'll need this number to make any transaction, dispute a charge, or contact Chase about your account.
Key Takeaways
- Your Chase card number is the 16-digit code on the front of your physical card, also visible in the Chase app and on your monthly statement.
- The first digit indicates the card network (4 for Visa), and the next digits identify Chase and your specific account.
- Never share your full card number, expiration date, or CVV with anyone unless you initiated the transaction yourself.
- If your card is lost or stolen, call Chase when ready at the number on the back of your card or log into your Chase account online to report it.
- Your card number changes if you request a replacement card, so update any recurring payments with the new number.
How to locate your card number in the Chase app
Open the Chase mobile app and log in with your username and password. Tap the credit card account you want to view. The card number appears on the digital card image at the top of the screen. You can also see it by tapping "Card Details" or "View Full Card Number" — Chase will ask you to verify your identity before showing the complete number.
The app is useful when you don't have your physical card with you but need the number for a purchase or to check it against a statement. You can also view your card number on your monthly statement, which arrives by mail or email depending on your preferences.
What the other numbers on your card mean
Your Chase card has several numbers, and each serves a different purpose. The expiration date (usually shown as MM/YY) tells merchants and payment processors when your card stops being valid. The CVV or CVC (Card Verification Value or Card Verification Code) is the three-digit number on the back of your card, used to verify you have the physical card during online purchases.
These three pieces of information — card number, expiration date, and CVV — are what someone needs to make a fraudulent purchase. Never share all three together, and never share them via email, text, or phone unless you called the merchant or Chase directly.
What to do if your card number is compromised
If you believe your card number has been used fraudulently or stolen, contact Chase when ready. Call the number on the back of your card, or log into your Chase account online and report the issue through your account settings. Chase can freeze your card within minutes, stopping any new transactions.
Chase will investigate any unauthorized charges you report. Under federal law, your liability for fraudulent charges is limited to $50 if you report the loss or theft before any unauthorized charges are made, and $0 if you report it after charges appear but within 60 days of your statement date. Chase often waives the $50 entirely. You'll receive a replacement card with a new number within 7 to 10 business days.
Updating recurring payments when your card number changes
When Chase sends you a replacement card — whether because you requested one, your card expired, or it was compromised — the new card has a different 16-digit number. Any subscription services, automatic bill payments, or stored payment methods linked to your old card number will fail unless you update them.
Log into each service where you've saved your Chase card (streaming services, utilities, insurance, gym memberships, etc.) and update the card number to the new one. You can find your new card number the same way you found the old one: on the physical card itself, in the Chase app, or on your statement. If you miss updating a service, you may see a declined payment notification, and the service may suspend your account temporarily.
Protecting your card number online and in stores
When you enter your card number online, check that the website URL begins with "https://" (the "s" means the connection is encrypted). Look for a padlock icon in the address bar. Never enter your card number on a website that doesn't use encryption, and never respond to emails or texts asking for your card number — legitimate companies will never ask this way.
In physical stores, watch the card reader when you swipe or insert your card. Some criminals install hidden devices called skimmers on card readers to steal numbers. If a reader looks loose, damaged, or different from others nearby, use a different payment method or ask a staff member to check it. Using your Chase card's contactless payment option (tap or mobile wallet) is generally safer than swiping, because the full card number is not transmitted to the merchant.
Frequently Asked Questions
Can I use my Chase card number without the physical card?
Yes. You can use your card number for online purchases, phone orders, and mail orders without having the physical card present. However, for in-person purchases at stores, you typically need the physical card or a mobile wallet linked to your card number. Some merchants may accept a card number over the phone for in-store pickup orders.
Is it safe to save my Chase card number on websites?
Saving your card number on major retailers and services is generally safe if the website uses encryption and has strong security practices. However, the more places where your number is stored, the more places it could potentially be breached. Consider saving it only on sites you use frequently and trust, and use a unique password for each account.
What if I see a card number on my statement that I don't recognize?
Contact Chase right away. Log into your account or call the number on the back of your card to report the charge. Chase will investigate and can reverse unauthorized charges. You are not responsible for fraudulent transactions if you report them promptly.
Do I need to memorize my Chase card number?
No. You can always look it up in the Chase app, on your statement, or on the physical card itself. Memorizing it is not necessary and may actually be less find, since you might share it verbally or write it down in a place where it could be seen.
Will my card number change if I change my PIN or password?
No. Your card number stays the same if you change your PIN (the code you use at ATMs) or your Chase online password. The card number only changes when you receive a new physical card.