Yes! The Innovator Card is designed to help startup founders meet evolving needs while they grow the business.
SVB Innovator Card
A business card built for startups that saves time with automated expense reporting.
Early-stage companies can drive growth with higher credit limits with no personal liabilityD and save time with AI-powered expense management at no extra cost.
Special Offer - Earn 250,000 rewards points
Spend $60K in your first 90 days and earn 90,000 rewards points, plus 160,000 additional bonus points for a total of 250,000 rewards points.D
Stay on budget with more spend control
SVB Spend Management platform
Manage card spend for employee stipends and travel, procurement and payables, and automate expense reporting and reconciliation with an AI-powered mobile app.
More rewards to put back into your business
Earn 1.5X rewards points on all Innovator Card business spend that you can redeem for cash back statement credit, office needs and more.D Rack up rewards using your card for employee travel, major purchases and recurring billing.
special offer
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)
“We’re trying to take advantage of using our SVB card to earn rewards. Our small revenue stream is the cash back, it’s about $7 or $8K a month. It’s pretty important and definitely an incentive for us to make the extra effort to call our larger vendors to pay via credit card.”
Senior Accountant | Wildtype
More ways to reward your business
Enjoy cash back to your card account, travel, and top-brand products and gift cards
Power your productivity
Redeem rewards to equip your teams with Apple® laptops and other devices.
Stay focused in style
Enable teams to enjoy tunes while they work with Beats® noise-cancelling headphones.
Book travel with points
Use rewards to book business travel on Expedia® including flights, hotels, and rental cars.
Digital cards for more secure spend on the go
Reduce risk by adding a digital version of your SVB card to your mobile wallet so you can pay with the protection of the wallet’s biometric authentication and tokenization.
More peace of mind with Mastercard
Make secure payments anywhere worldwide – online, in mobile apps or in stores – with physical or digital cards.D
MasterAssist Travel Services
Support for global travel planning, lost luggage, medical and legal needs, roadside assistance, etc.
Mastercard Global Service
Worldwide 24-hour support to report and replace a lost/stolen card and get a cash advance.
Purchase protections
Insurance coverage for rental cars and damaged purchases, extended warranties and more.
Ready to talk with our team?
Commercial card insights
Access articles with actionable advice to help startups improve efficiency and cash flow to drive growth.
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What startups should look for in a business credit card
Learn startup finance best practices for managing cash flow, spend controls, budgeting, and investor-ready reporting with robust commercial card capabilities.
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Supplier consolidation without disruption: A practical 3-step guide
Learn strategic steps for supplier consolidation: baseline spend and score vendors, create a decision framework, and roll out in phases with controls and KPIs.
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Vendor consolidation checklist: 7 signs your startup should consolidate vendor spend
Scale smarter with a vendor consolidation checklist to spot when to consolidate vendor spend to reduce SaaS sprawl, renewal fire drills and cash flow risk.
Innovator Card FAQs
Generally, yes. SVB specializes in business charge cards for companies in tech, life sciences and healthcare, and we work with clients who operate under different legal structures.
We consider a range of factors in our credit decisions.
No two startups have the same growth trajectory. Our goal is to support you on your unique startup journey.
SVB business cards for startups give you a no-cost, simple way to access flexible credit, AI powered expense management with mobile expense reporting, and business banking, all in one place – and all built to help your company succeed.
With the Innovator Card, your balance must be paid off in full each billing cycle.