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Spend Control and Automated Reporting
SVB cards are built to support venture-funded companies at every growth stage, with AI-powered spend management for automated efficiency, expense controls, and actionable insights. 

Cards tailored to your growth stage

Innovator Card
EARLY-STAGE STARTUPS

Innovator Card

Innovator Card helps startups improve cash flow and efficiency with flexible creditD and time-saving automation for managing expenses. 

  • 1.5X rewards on all business spend, with no capsD
  • SVB spend management platform at no extra cost, including mobile expense reporting and integrated travel booking
  • Manage card account via SVB Go, including digital cards
  • No annual fee and no fee for unlimited cards
  • Scalable credit with no personal liability
  • Mastercard benefits for payments worldwide, travel services, purchase protections and global supportD
  • Integrate with ERP or accounting system (e.g., QuickBooks, NetSuite, Intacct, Xero)

 

 

 

Special Offer - Spend more, earn moreD

  • Spend $60K in your first 90 days to earn 250,000 total 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)
Accelerator Card
HIGH-GROWTH VENTURE-FUNDED COMPANIES

Accelerator Card

Accelerator Card helps maturing companies sustain growth with scalable credit,D precision spend management and analytics, and strategic advisory. 

  • Cash rebate on business spendD
  • SVB spend management platform at no extra cost, including mobile expense reporting and integrated travel booking
  • Manage card account via SVB Go, including digital cards
  • No annual fee and no fee for unlimited cards
  • Scalable credit with no personal liability
  • Mastercard benefits for payments worldwide, travel services, purchase protections and global supportD
  • Integrate with ERP or accounting system (e.g., QuickBooks, NetSuite, Intacct, Xero)
  • Integrate with third-party spend management platforms (e.g., Airbase, Coupa, Teampay)
  • Unlimited virtual cards with custom controls for any use case
  • Mastercard Smart Data for enhanced reporting  

Special Offer - Earn up to a $1,000 cash bonusD in your first 60 days:

  • Earn $500 in cash bonus when you spend at least $50K then 
  • Earn another $500 in cash bonus when you use SVB spend management platform. Enroll in the platform, submit three or more card expenses, and set up sync to your ERP or accounting system. 

Ready to talk with our team?

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.

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.

Mastercard terms and conditions apply.

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).

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.

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.

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

View the Commercial Cards Terms & Conditions.

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