SVB Commercial Cards
Innovator Card1 and the new Accelerator Card2 help growing businesses gain greater control over cash flow with flexible credit and AI-powered spend management.
Scale faster with the new
Accelerator card
For high-growth, venture-funded companies
Optimize for growth with scalable credit, cash rebates on all business purchases,3 and AI-powered spend management, backed by our expertise in innovation economy companies.
In your first 60 days
when you spend at least $50K+
when you use SVB spend management platform*
Build for success with the Innovator Card
For early-stage and Series A startups
Boost agility with a credit card that can grow with your business, 1.5X cash back rewards with no caps,5 and time-saving automated expense management.
250,000 total rewards points
+160,000 bonus points
Digital cards to protect your spend
Which SVB card is right for your business?
More peace of mind with Mastercard
Make secure payments anywhere worldwide – online, in mobile apps or in stores – with physical, digital or virtual cards.7
Ready to talk with our team?
Commercial credit card FAQs
We work with startup clients at every stage of growth and consider a range of factors in our credit decisions. Learn more about SVB Startup Banking.
Generally, yes. SVB specializes in business credit cards for companies in tech, life sciences and healthcare, and we work with clients who operate under different legal structures.
A startup company’s stage of growth, legal structure and operating history are some of the factors considered in underwriting. There’s no single factor to determine if an SVB commercial card is a good fit for your company.
For startups in tech, life sciences, and healthcare we can help you get on track to build business credit. Learn how to become an SVB client.
SVB business credit cards are tailored to the needs of innovation economy companies at each stage of growth. We provide a simple way to access scalable credit, robust spend management with AI-powered mobile expense reporting, and business banking, all in one place.
No. You pay no annual fee for the Innovator Card1 or Accelerator Card.2 And there are no fees for unlimited employee cards or to access SVB's expense management platform.
With the Innovator Card and Accelerator Card, your balance must be paid off in full each billing cycle.
Each SVB Commercial card is tailored to business needs at different stages of growth. For more information, see the commercial cards comparison page.
Virtual cards are randomly generated temporary card numbers typically used for a specific transaction or time period. They offer the same benefits as plastic cards, but give a business more control over spending with the ability to set spending limits, for how long and where the card can be used.
1 For complete details about the SVB Innovator Card, including applicable fees and terms and conditions of the Card, please see the SVB Innovator Card Terms and Conditions.
2 For complete details about the SVB Accelerator Card, including applicable fees and terms and conditions of the Card, please see the SVB Accelerator Card Terms and Conditions.
3 SVB Cash Rebate earnings are based on net business purchases (minus returns/credits) with the SVB Cash Rebate Program for Cards. SVB virtual cards can earn rebates at the rate determined by the client relationship.
4 This offer is only available for Accelerator Card charge programs set up on company bill and company cash rebate. Offer expires 12/31/2026.
Cash bonuses are awarded 30 days (or up to 2 statement cycles) after meeting the offer criteria within the first 60 days of account opening. Criteria includes:
•$500 cash bonus is awarded after $50,000 has been spent collectively between the cards within your program.
•$500 cash bonus is awarded after enrolling in the SVB spend management platform, and using the platform to submit 3 or more card expenses and set up accounting sync for a third-party ERP or financial software.
In order for the client to earn the $500 cash bonus for enrolling in SVB T&E, the client must first spend $50K within the first 60 days before they are qualified to earn the second $500 for SVB T&E adoption.
5 SVB Unlimited Rewards Points earnings are based on net purchases (minus returns/credits) made on the SVB Innovator Card. SVB virtual cards can earn 1x rewards on purchases, or revenue share at the rate determined by the client relationship. Points can be redeemed for a variety of rewards, including travel and cash back. Cash back: Cash Rewards points can be redeemed as a statement credit to your card account. For more information about the SVB Innovator Card rewards program, please see the SVB Innovator Card Rewards Agreement.
6 This offer is only available for Innovator Card charge programs set up on rewards with company bill and company rewards. Offer expires 12/31/2026.
Rewards points and bonus rewards points are awarded 30 days (or up to 2 statement cycles) after meeting the offer criteria within the first 90 days of account opening. Criteria includes:
•45,000 rewards points are awarded after $10,000 has been spent collectively between the cards within your program. When spending $10,000, you will earn 15,000 rewards points at an earn rate of 1.5x. You will receive an additional 30,000 bonus points for a total of 45,000 points.
•250,000 rewards points are awarded after $60,000 has been spent collectively between the cards within your program. When spending $60,000, you will earn 90,000 rewards points at an earn rate of 1.5x. You will receive an additional 160,000 bonus points for a total of 250,000 points.
Clients will earn either the $10k spend / 45,000 reward points (30,000 bonus) OR $60k spend / 250,000 rewards points (160,000 bonus).
7 Mastercard terms and conditions apply.
All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational and reference purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Certain terms, conditions, exclusions, and limitations apply, including a limit on cash advance capabilities.
Mastercard is a registered trademark of Mastercard International Incorporated and is an independent third party. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
All non-SVB named companies listed throughout this document are independent third parties and are not affiliated with Silicon Valley Bank, a division of First-Citizens Bank & Trust Company.
Banking and lending products or services are offered by Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Accounts are subject to credit approval. Restrictions and limitations may apply.
View the Commercial Cards Terms & Conditions.