SVB Innovator Card
Early-stage companies can drive growth with higher credit limits with no personal liability1 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.2
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.3 Rack up rewards using your card for employee travel, major purchases and recurring billing.
250,000 total rewards points
+160,000 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
Digital cards for more secure spend on the go
More peace of mind with Mastercard
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Innovator Card FAQs
Yes! The Innovator Card is designed to help startup founders meet evolving needs while they grow the business.
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 credit 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.
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. 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.
2 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).
3 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.
4 Mastercard terms and conditions apply.
Mastercard is a registered trademark of Mastercard International Incorporated and is an independent third party and not affiliated with Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. 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 Silicon Valley Bank, a division of First-Citizens Bank & Trust Company.
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.