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Credit card
Here you can find the answers to your questions about Qred VISA.
How much does a Qred VISA cost?
Qred VISA is free of charge. There are no monthly or annual fees. When you use the card, you get an interest-free payment period of up to 45 days. We will send you a monthly invoice for using the card. If you pay the amount in one lump sum, you will not have to pay interest. If you decide to pay back the bill in instalments, a monthly interest rate starting at 1.95% will be added to the bill. Read more about the pricing of the card here.
You can also pay your business bills with Qred Visa. Read more about paying your bills here.
How does Qred Visa work?
Qred Visa is a business card designed for small businesses. You can use the card to make purchases for your business both in stores and online, in Finland and abroad. The card is free of charge if you pay the bill back in one go. If you want more time to pay, you can pay the invoice in instalments, in which case a monthly interest rate of 1.95% will be added to the open credit.
The card settings are managed in the Qred app. You can also record expenses in the app and pay bills using the Qred Visa credit limit.
How do I activate my card?
Activate your card in Qred's app. You can download the app from App Store or Google Play.
Click "activate my card" in the app and enter the last four digits of your card.
How do I apply for Qred Visa?
Apply for Qred Visa by filling out the application form here! The card is free of charge and you will receive it in the mail in 7-9 business days.
Does it cost money to use Google Pay?
No. Connecting Qred Visa to Google Pay and using Google Pay is free of charge.
Does expense management come with a cost?
No, there is no cost associated with using Qred’s expense management feature.
How do I use expenses management?
After making a transaction with your Qred VISA, locate the expense in your recent transactions on the Qred app, tap the transaction and select to create an expense. Then take a picture of the receipt, choose which category best describes the expense and the VAT amount. At the end of every invoice period you will be provided with a report of all transactions that have been expensed.
Can I withdraw money with Qred Visa?
No. You can use Qred Visa for purchases both offline and online but you cannot withdraw money from an ATM.
What does the payment method benefit mean?
Qred Visa payment method benefit refers to the benefit you accrue when you use Qred Visa as a means of payment. Qred customers receive a payment method benefit for all purchases they make with Qred Visa. The benefit applies to purchases made both in stores and online.
The payment method benefit accrues to customers 1% of the total amount of each purchase. The payment method benefit is paid to Qred customers monthly by refunding the accumulated amount from the customer's monthly invoice. The payment method benefit cannot be converted into cash or otherwise made available.
Can I get multiple credit cards for my company?
Yes, you can also get more than one card for your business. After ordering the first card, you can order additional cards easily in Qred's App.
I've lost my card - what should I do?
To ensure nobody else can use your card, it's important that you block it in Qred's app. Contact our customer service to order a new card.
Can I use a card abroad?
Yes, you can use Qred Visa wherever Visa is accepted. Qred does not add a currency surcharge to purchases made abroad. Read more about exchange rates here.
Where can I find my PIN?
You can find your card PIN in Qred's app:
1. Open the app
2. Go to the card page
3. Click on the card
4. Click 'View PIN'
You can download Qred's app from App Store or Google Play.
Does expense management come with a cost?
No, there is no cost associated with using Qred’s expense management feature.
How do I use expenses management?
After making a transaction with your Qred VISA, locate the expense in your recent transactions on the Qred app, tap the transaction and select to create an expense. Then take a picture of the receipt, choose which category best describes the expense and the VAT amount. At the end of every invoice period you will be provided with a report of all transactions that have been expensed.
Can I withdraw money with Qred Visa?
No. You can use Qred Visa for purchases both offline and online but you cannot withdraw money from an ATM.
What does the payment method benefit mean?
Qred Visa payment method benefit refers to the benefit you accrue when you use Qred Visa as a means of payment. Qred customers receive a payment method benefit for all purchases they make with Qred Visa. The benefit applies to purchases made both in stores and online.
The payment method benefit accrues to customers 1% of the total amount of each purchase. The payment method benefit is paid to Qred customers monthly by refunding the accumulated amount from the customer's monthly invoice. The payment method benefit cannot be converted into cash or otherwise made available.
Can I get multiple credit cards for my company?
Yes, you can also get more than one card for your business. After ordering the first card, you can order additional cards easily in Qred's App.
I've lost my card - what should I do?
To ensure nobody else can use your card, it's important that you block it in Qred's app. Contact our customer service to order a new card.
Can I use a card abroad?
Yes, you can use Qred Visa wherever Visa is accepted. Qred does not add a currency surcharge to purchases made abroad. Read more about exchange rates here.
Where can I find my PIN?
You can find your card PIN in Qred's app:
1. Open the app
2. Go to the card page
3. Click on the card
4. Click 'View PIN'
You can download Qred's app from App Store or Google Play.
How much does a Qred VISA cost?
Qred VISA is free of charge. There are no monthly or annual fees. When you use the card, you get an interest-free payment period of up to 45 days. We will send you a monthly invoice for using the card. If you pay the amount in one lump sum, you will not have to pay interest. If you decide to pay back the bill in instalments, a monthly interest rate starting at 1.95% will be added to the bill. Read more about the pricing of the card here.
You can also pay your business bills with Qred Visa. Read more about paying your bills here.
How does Qred Visa work?
Qred Visa is a business card designed for small businesses. You can use the card to make purchases for your business both in stores and online, in Finland and abroad. The card is free of charge if you pay the bill back in one go. If you want more time to pay, you can pay the invoice in instalments, in which case a monthly interest rate of 1.95% will be added to the open credit.
The card settings are managed in the Qred app. You can also record expenses in the app and pay bills using the Qred Visa credit limit.
How do I activate my card?
Activate your card in Qred's app. You can download the app from App Store or Google Play.
Click "activate my card" in the app and enter the last four digits of your card.
How do I apply for Qred Visa?
Apply for Qred Visa by filling out the application form here! The card is free of charge and you will receive it in the mail in 7-9 business days.
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