Business credit card for a small entrepreneur

Save money on every purchase you make with Qred Visa

Get a 1% payment advantage

Order more cards for employees - for free!

Save receipts digitally to the app

Order Qred VISA - credit card for business

Kvinnelig gründer smiler til kameraet

1% payment advantage for every purchase

You save with every purchase, as you get a 1% payment advantage on every purchase you make with Qred Visa. For example, if you use the card for €10 000, the total bill will be €9 900. The payment advantage is automatically calculated as a discount on your bill.

A business owner who uses the Qred VISA business card and loves cashback

Get a 1% payment advantage

Save with every purchase from your company

The more you use, the more you save!

All receipts in the app

With the expense reporting system, you can digitally store every receipt. Once you've made a purchase, all you have to do is take a picture of the receipt and upload it to the app. At the end of the month, you'll receive an expense report where you can easily and conveniently find all your receipts for the past billing period.

Swedish entrepreneurs who are happy with their Qred VISA business card

Take a photo of your receipt via the app

Save receipts digitally in the app

An expense report on all purchases will be sent at the end of the month

Connect your card to your virtual wallet

Start using Qred Visa right away with Apple Pay or Google Pay. With the virtual card, you can make local purchases at brick-and-mortar stores, and easily online.

Smartphone that makes a virtual Qred VISA payment to a physical payment terminal
Uncontrolled
649 €
Tool retailer AB
Payment category
Date
Qred VISA
02 Sep 2024

Unlimited possibilities,
at no extra cost

With a Qred business credit card, you only pay for what you buy. When you pay the bill in full on the due date, there are no additional charges on the bill. If you wish, you can also pay the invoice in instalments, in which case the invoice will be subject to the contractual interest rate, starting at 1.95%/month.

Yearly fee
Usage fee
Parallel cards
0 €
0 €
Free card for up to 3 employees
"A great business credit card with 1% cashback and no annual fee. The customer service is excellent. Highly recommend!"

Jon, small business owner

Automatic purchase protection with Qred VISA business card

When you use your Qred VISA business card, you automatically receive purchase protection for all your online purchases - both on domestic and foreign sites. The purchase protection is valid without a cap on the products and services that can be claimed. Purchase Protection allows you to get a refund* if:

A business owner who uses the Qred VISA business card and loves cashback

You fall victim to online fraud

The product is damaged, defective or faulty

The product or service is not delivered, for example due to delivery problems

A travel agency or airline goes bankrupt before or during your trip

How the purchase protection works

Always contact the company or shop where you made your purchase first - in most cases this will resolve the issue. If the problem cannot be resolved, you can easily make a complaint by contacting Qred. We will be happy to help you and answer any questions you may have about the terms and conditions of the purchase protection.

Safer online shopping with Qred VISA

If you fall victim to fraud, identity theft or unauthorised use of your card, you can get your money back. This gives you peace of mind when you shop online. Your purchase protection is valid from the moment you buy the product until you have it in your hands. If a product is damaged or lost in transit, you can also claim a refund*.

*Conditions according to Qred. Entitlement to compensation may depend on our terms and conditions.

Qred has been helping entrepreneurs on their journey since 2015

Qred was founded in 2015 by entrepreneurs, and since 2016 we have also been operating in Finland. From the very beginning, the services have been offered especially for small and medium-sized enterprises, which quickly made Qred one of the most sought-after banks when it comes to flexible financing. Qred is the market leader in its field in the Nordic countries, and we also operate in the Netherlands, Germany, Belgium and Brazil.

We understand the challenges and needs of entrepreneurs and are proud to be one of the top-rated business lenders on Trustpilot.

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2015
Qred was founded
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50
entrepreneur supported on his journey
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What kind of financing is right for you?

Qred offers business loans for larger and longer-term investments, and the Qred Visa business card for smaller and recurring expenses. Choose the best option for you - or why not both?

Bygningsarbeidere med arbeidsklær

Apply for a Qred Visa here

Get a 1% payment bonus

Order more cards for your employees - for free!

More flexibility with Qred Visa

Check out our business credit card: wide access, no extra fees. Save on every purchase with a payment method advantage. Join thousands of satisfied entrepreneurs and order your Qred Visa today! No annual fee, no commitment, just benefits for your everyday entrepreneurial life!

Builders who stand with their arms in the corset in the workplace

Apply for a business loan

Fast application process

The loan will be paid into your account within 24 hours

Loan to grow your business

You can apply for a loan from €5 000 up to €500 000 with no commitment period. We offer loan terms of up to 36 months and you can repay the loan early, at no extra cost. Our business loans are suitable for immediate working capital needs, as well as for investment and business growth.

Together with our partners, we make sure that doing business with us is both hassle-free and safe.

Signicat logo
Dun & Bradstreet

Dun & Bradstreet provides us with the financial data that allows us to size our offers correctly.

Trustly logo
Signicat

Signicat enables fast electronic signature of tenders.

Trustly logo
Geotrust

Geotrust SSL-certificate assures that your data is securely processed.

Qred Visa, now with Apple Pay.

Apple Pay now works with Qred VISA card! Easily connect your card to the Wallet app on your iPhone, Apple Watch, iPad or Macbook.No need to wait for your physical plastic card - you can start using your card today!

Smiling unborn quince with brown horns who is a wonderful næringsdrivende with her own bakery

Do you have any questions?

Our Country Manager Antti and his team have answered several frequently asked questions here:

Having trouble with your credit card?

We are sorry that something has happened to your business card. Let us help you. Start by filling out the form by clicking the button below and tell us what happened. Once you have completed the form, our customer service team will contact you within 3 working days. If you have lost your card or it has been stolen: remember to lock your card so that others cannot use it.

To the form

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.

Can I get multiple credit cards for my company?

Yes, Qred Visa allows you to order parallel cards for up to three employees free of charge. 

The parallel card is ordered like this:

  1. Open the Qred phone app
  2. Select "Account" and "Add cardholders"
  3. Fill in the details of the parallel card holder

The parallel card will then be sent to the same address as the original card. The card will arrive within approximately 7-9 working days.

Can I use a card abroad?

Yes, you can use a Qred credit card anywhere you can pay with a Visa card. Qred adds a 2% foreign exchange surcharge for purchases made abroad. Read about exchange rates here.

How does Qred Visa work?

Qred Visa is a business credit card designed for small businesses. You can use the card to make purchases for your business both in-store and online, in Finland and abroad (a 2% foreign exchange surcharge is added for purchases made in foreign currencies). There is no charge for using the card in your home country, provided you pay the bill back in one go. If you want more time to pay, you can pay the bill in instalments, in which case a monthly interest rate of 1.95% will be added to the open credit.