Innovator CardDand the new Accelerator CardD help growing businesses gain greater control over cash flow with flexible credit and AI-powered spend management.

Accelerator Card

Innovator Card

Digital cards

Spend management

Virtual cards

Corporate Card

SVB cards are business credit cards (physical, digital and virtual cards) that help venture-backed companies manage operating expenses, vendor payables, and employee travel and spending. Our cards include real-time spend management controls and automated expense reporting to drive efficiency and growth, while preserving runway.

Optimize for growth with scalable credit, cash rebates on all business purchases,Dand AI-powered spend management, backed by our expertise in innovation economy companies.

Earn up to a $1,000 cash bonusD
In your first 60 days

$500 in cash bonus
when you spend at least $50K
+
Earn another $500 in cash bonus
when you use the Spend Management Platform*

*Enroll in the platform, submit 3 or more card expenses, and set up sync to your ERP or accounting system

Boost agility with a credit card that can grow with your business, 1.5X cash back rewards with no capsD, and time-saving automated expense management.

Spend more, earn moreD

Spend $60K in your first 90 days to earn
250,000 total rewards points

90,000 rewards points
+160,000 bonus points

Won't hit $60K? Don't worry! Spend $10K in your first 90 days and earn 45,000 total points. (15,000 rewards points + 30,000 bonus points)

Keep your spending safe on the go by adding a secure digital version of your SVB card to your mobile wallet, and leverage the wallet’s biometric authentication and tokenization for payments.

Drive efficiency with our AI-powered platform to submit receipts via mobile app, automate expense reporting, approvals and reconciliation, plus gain spending insights.

Jonathan Edward

Co-Founder and CEO, New Harbor

For the Accelerator Card, you can instantly issue virtual cards with custom limits, spend policies, and categories for employee travel and stipends, vendor payables, procurement and more.

Increase working capital and efficiency with custom controls, automation and tailored strategies built to simplify spend management at scale.

Make secure payments anywhere worldwide – online, in mobile apps or in stores – with physical, digital or virtual cards.D

Support for global travel planning, lost luggage, medical and legal needs, roadside assistance, etc.

Support for global travel planning, lost luggage, medical and legal needs, roadside assistance, etc.

Insurance coverage for rental cars and damaged purchases, extended warranties and more.

Access articles with actionable advice to help you maximize efficiency and stay on track for growth.

Learn how AI in spend analytics help fast-growth companies use corporate card data to cut costs, improve budgets and cash flow, and strengthen spend control.

Learn how AI in travel spend management helps scaling companies automate expense reporting, enforce travel policies, control costs, and make smarter decisions.

See how AI for finance teams helps fast-growth companies automate expense reporting, control spend and make smarter decisions with AI spend management at scale.

Learn how AI finance automation helps companies control commercial card spend, automate expense reporting, and use AI spend analytics to manage cash flow.

Learn startup finance best practices for managing cash flow, spend controls, budgeting, and investor-ready reporting with robust commercial card capabilities.

See how scalable spend management helps growth companies keep pace with more controls for card spend, automated reporting, policy enforcement, and spend analytics.

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 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 Card or Accelerator CardD. 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.

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. 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.

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. 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.

SVB Cash Rebate earnings are based on qualified 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.

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 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 Spend Management Platform, the client must first spend $50K within the first 60 days before they are qualified to earn the second $500 for the adoption of the Spend Management Platform.

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.

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).

Mastercard terms and conditions apply.

Mastercard is a registered trademark of Mastercard International Incorporated and is an independent third party and not affiliated with First Citizens Bank. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. EMVCo, LLC is an independent third party and not affiliated with First Citizens Bank.

All third-party trademarks referenced by First Citizens Bank remain the property of their respective owners. First Citizens Bank’s use of third-party trademarks does not indicate any relationship, sponsorship or endorsement between First Citizens Bank and the owners of these trademarks. All references by First Citizens Bank to third-party trademarks are to identify the corresponding third-party goods and services and intended to constitute nominative fair use under applicable trademark laws.

View the Commercial Cards Terms & Conditions.

Banking and lending products or services are offered by First Citizens Bank. Accounts are subject to credit approval. Restrictions and limitations may apply.

SVB Commercial Cards

Cards for every stage of growth – from startups to scaling venture-funded companies

What are SVB commercial cards?

Scale faster with the new Accelerator card

For high-growth, venture-funded companies

Earn up to a $1,000 cash bonusD
In your first 60 days

$500 in cash bonus
when you spend at least $50K
+
Earn another $500 in cash bonus
when you use the Spend Management Platform*

Build for success with the Innovator Card

For early-stage and Series A startups

Spend more, earn moreD

Spend $60K in your first 90 days to earn
250,000 total rewards points

90,000 rewards points
+160,000 bonus points

Digital cards to protect your spend

Which SVB card is right for your business?

Manage card spend and automate reporting

Spend Management Platform at no extra cost

Virtual cards for more secure, controlled spend

Corporate card programs for large companies

SVB multi card

More peace of mind with Mastercard

MasterAssist Travel Services

Mastercard Global Service

Purchase protections

Commercial card insights

How AI in spend analytics turns corporate card data into financial intelligence

AI in travel spend management: Smarter controls for scaling companies

What AI in finance really means for fast-growth companies

How AI finance automation changes card spend management

Startup financial management: 4 best practices that support growth

Scalable spend management – What to do when growth breaks your expense processes

Ready to talk with our team?

Commercial credit card FAQs

SVB Commercial Cards

Cards for every stage of growth – from startups to scaling venture-funded companies

What are SVB commercial cards?

Scale faster with the new Accelerator card

For high-growth, venture-funded companies

Earn up to a $1,000 cash bonusD In your first 60 days

$500 in cash bonus when you spend at least $50K + Earn another $500 in cash bonus when you use the Spend Management Platform*

Build for success with the Innovator Card

For early-stage and Series A startups

Spend more, earn moreD

Spend $60K in your first 90 days to earn 250,000 total rewards points

90,000 rewards points +160,000 bonus points

Digital cards to protect your spend

Which SVB card is right for your business?

Manage card spend and automate reporting

Spend Management Platform at no extra cost

Virtual cards for more secure, controlled spend

Corporate card programs for large companies

SVB multi card

More peace of mind with Mastercard

MasterAssist Travel Services

Mastercard Global Service

Purchase protections

Commercial card insights

How AI in spend analytics turns corporate card data into financial intelligence

AI in travel spend management: Smarter controls for scaling companies

What AI in finance really means for fast-growth companies

How AI finance automation changes card spend management

Startup financial management: 4 best practices that support growth

Scalable spend management – What to do when growth breaks your expense processes

Ready to talk with our team?

Commercial credit card FAQs

Can you apply for a business credit card with no revenue?

Can an LLC have a commercial card?

Can you use an EIN to get a business credit card?

How do you get business credit if you have none?

What is the advantage of choosing an SVB commercial card?

Is there an annual fee for SVB business credit cards?

Are balances due in full each month or is there a minimum payment?

What's the difference between the Innovator Card and Accelerator Card?

What are the benefits of a virtual card?

Disclosures

Earn up to a $1,000 cash bonusD
In your first 60 days

$500 in cash bonus
when you spend at least $50K
+
Earn another $500 in cash bonus
when you use the Spend Management Platform*

Spend $60K in your first 90 days to earn
250,000 total rewards points

90,000 rewards points
+160,000 bonus points