Capital One Spark Transitioning from Visa to Mastercard

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Last updated on April 12th, 2023

The Capital One Spark is one of the most popular small business credit cards on the market today. Now, cardholders are receiving notice from Capital One that the Spark will switch its payment network from Visa to Mastercard. Here are all the details of the changes with the Capital One Spark for Business card.

Capital One Switching Payment Network for Spark Cards

Capital One Spark credit cardholders are receiving emails from the bank stating that their Spark card is transitioning from a Visa credit card to a Mastercard. Cardholders can expect new cards in the mail shortly, with unique Mastercard benefits.

Emails about the network changes are only going out to Capital One Spark for Business cardholders (also known as the Spark Classic). Capital One also issues several other Spark cards for small businesses, including:

While there is no news about the future of these cards, it seems probable that they, too, will bear the Mastercard logo in the near future.

What’s the Difference Between Visa and Mastercard?

The differences between Mastercard and Visa aren’t significant. While Visa is the most widely accepted credit card payment network in the world, the gap between it and Mastercard isn’t as substantial as you might expect. In fact, Mastercard is accepted in more countries than Visa. And in the U.S., Canada, Mexico, and Europe – where most Spark cardholders will likely use their cards – both networks enjoy near-universal acceptance.

Both Visa and Mastercard offer Zero Fraud Liability, emergency card replacement, and small business management tools. The major differences businesses can expect from Mastercard are the following two protections:

  • Cellular Wireless Telephone Protection
  • Mastercard ID Theft Protection

Related Article: Amex Offers Free Open for Business Kit to Local Shops

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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