Who is the card issuer?

 Spendbase Cards are issued by a licensed card issuer, Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. in partnership with a major card network.
The card issuer is responsible for issuing the card, authorizing transactions, and ensuring compliance with applicable financial regulations.