Commercial credit cards
Special offer - You could earn 3x on all purchases and receive up to 3,000,000 rewards points1 when you open an SVB Innovator Card.
Good on all purchases1 for the first six months or up to $1 million spend.
Stay on track for growth
The SVB Innovator Card has been named one of the “best business credit cards with no personal guarantee” by card reviewer The Points Guy.4
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 business credit card is a good fit for your company.
For startups in tech, life sciences, and healthcare we can help your company get on track to build business credit. Learn more about how to become an SVB client.
SVB business credit cards are tailored to the needs of companies in the innovation economy. 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 SVB Innovator Card. And there are no fees for unlimited employee cards, and no foreign transaction fees.3
Your SVB Innovator Card includes full access to the SVB T&E Travel & Expense Management platform – at no extra cost. With it you can control card spend, automate processes, and simplify expense reporting with an AI-powered mobile app.
1 This offer is only available for new Innovator Card charge programs setup on rewards with company bill and company rewards. Offer expires 7/31/2025. 3,000,000 rewards points are based on:
• Net purchases made on the SVB Innovator Card. Rewards points are not applicable to virtual cards.
• Receive one additional bonus point on net purchases (minus returns/credits) until the bonus period expires: (1) when you reach the $1 million spend threshold, or (2) six months from the date of your enrollment in this promotional offer, whichever comes first.
• The enrollment process for this program can take up to 10 business days. You will not earn any additional bonus points until the enrollment process has been completed.
• Rewards points will be awarded 30 days after the eligible dollar amount has been spent collectively between the cards within your program.
Once the bonus period expires, you will earn 2X Unlimited Rewards.
2 2X 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 all 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 complete details about the SVB Innovator Card, including applicable fees and terms and conditions of the Card, please see the SVB Innovator Card Agreement and Rewards Terms and Conditions.
3 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 for full program details. 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. Additional fees include: Cash Advance — 3% of each Cash Advance amount, but not less than $3 or more than $50; Late Payment — $32 or 2.5% of the charges that have been billed on the periodic statement and remain unpaid for one or more billing cycles, whichever is greater.
4 The Points Guy, November 12, 2023.
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.