Business card for small businesses

Save money on everything you buy with the Qred business card

Get 1% cashback
Get more cards for your company - for free!
Save your receipts digitally directly in the app

Order your business card here!

Vendela, a blonde woman, standing in the sun with her Qred VISA

Buy today, pay later with Qred's corporate card

Make your business purchases easier with the Qred business card. The company card can be used everywhere. Whether you use it for purchases or to help employees avoid expenses, you'll always have the money you need.

And the best part? Everything goes on one single invoice that arrives once a month.

Save while you spend

With Qred's business card you save money on all your business purchases! Every time you use your business card - online or offline - you get 1% cashback. The cashback earned is deducted from your monthly invoice. 

It's easy - if you've made a purchase of 10,000 SEK, you'll get an invoice for 9,900 SEK.

1% cashback
Qred Visa Pay

Unlimited possibilities, no costs

Buying what your business needs with the Qred business card only costs the price of the purchase itself. If you pay your entire invoice at once, there are no extra costs. If you choose to pay by instalment instead, there is an individually determined interest rate starting at 1.95% per month. 

Yearly fee

User fee

Currency surcharge

0 SEK

0 SEK

0 %

See the full price list here

Collect and manage all your receipts - digitally!

With our expense management, you get all your receipts digitally. Once you've bought something, all you have to do is take a picture of the receipt with your mobile. At the end of each month, you will receive a report with all your expenses. Great, huh?

Read more about Qred's expense management

Manage everything in the Qred app

Activate your company card
View all purchases and transactions
Manage card settings

Download the app

App Store DownloadGoogle Play Download
Qred VISA and the app in an iPhone

Qred VISA,
now with Apple Pay!

Finally, Apple Pay has come to Qred VISA. Now you can quickly and easily link your virtual card to your digital wallet on your iPhone, Apple Watch, iPad or Macbook.

Don't wait for your physical plastic card - get started today with your virtual card directly in the app! 
Read more about Apple Pay

Frequently asked question

How much does the Qred business card cost?

The card is free of charge and has no monthly fee. Purchases have an average interest-free period of 45 days. Once a month you will receive an invoice with 14 days payment terms. You choose whether you want to pay the whole invoice at once (0% interest) or split it up (from 1.95% per month).

How do I manage an expense in the app?

After you have made a purchase with your Qred VISA, go to the last transaction in the app, click on the expense and select "Manage expense". You can then launch the camera on your mobile and take a picture of the receipt. Done! 

Once you've taken a picture, enter the category that describes the type of purchase and the amount of VAT in SEK. At the end of each invoice period, you will receive a report of all transactions that have been processed.

Do like thousands of other businesses

Try Qred VISA for free now. You will receive the physical card within 5-7 working days, but you can start using the virtual card right away. You can also add your card to your mobile wallet and pay with your virtual card anywhere contactless payments are accepted.
Order here!

Contact us!

Get in touch and let us know how we can help you and your business!
08:00 - 17:30 (Mon-Fri)
Phone
020-150 333

Estimated waiting time:
Less than 1 minute
Email
support@qred.se

Estimated response time:
Less than 24 hours
Chat
Chat with us!

Estimated waiting time:
Less than 1-2 minutes

Why did we create a business card for small businesses?

"Since we launched in 2015, we have helped more than 25,000 companies. Our goal is to constantly develop ourselves and our business to continue to strengthen our offering to help more businesses. Through the Visa membership, our product portfolio can be further broadened to fit our customers' everyday needs," says Emil Sunvisson, CEO of Qred."

The company card is a credit - if you want to use it! 

The reason why it is so difficult for small businesses to get a business card with credit is that the traditional big banks do not want to give credit to small businesses. And our business card is a credit. It's as simple as that. The big banks want to make money from fees and not have to take risks. Unfortunately, risks are highest when companies are at their smallest or are just starting out. Therefore, the type of company can be a decisive factor.

Remember never to spend money that you are not sure you will have in the future, it is better to save.

Corporate cards are actually the first solution for BNPL - Buy Now, Pay Later

It is only in recent years that people have started talking about BNPL, but credit cards were actually the first solution for Buy Now, Pay Later. As early as 1914 in the United States, the first version of the credit card saw the light of day.

Solve expense management with Qred's corporate card

With the Qred business card, you can manage your purchases in a simple way. Save physical receipts digitally directly in the app for easier bookkeeping.

Summary
  • Collects all expenses in one place.
  • The feature is free and included in our app.
  • You can scan receipts and create digital copies.
  • Reduces the risk of error.
  • Digital receipts make it easier to manage and file expenses.
  • You save time and money.
  • Don't worry about losing receipts.
  • Gives you easy-to-use monthly reports of your purchases that you can easily add to your accounting.
  • It's free - the feature comes automatically with your Qred Visa!

Why should I have a business card for my company?

Because it's already hard as it is to keep the private and the company apart. Expenses, posting, invoices and more dissolve the boundaries between work and your private finances.

It doesn't have to be that way.

With a business card, you get an overview of your expenses and can make those smaller investments to grow today - and pay later. A common example is a freelancer who is going to photograph or film a wedding and needs a certain piece of equipment. Instead of not being able to take the assignment, risk the result of the completed assignment or in the worst case rent the equipment, in this way you can buy the equipment and do what you do best - work.

The difference between Visa and Mastercard?

General differences between Visa and Mastercard are:

  • Mastercard has slightly better international coverage and is accepted by more merchants than Visa. Although this figure doesn't affect you as a business owner in Sweden, as virtually everyone who accepts card payments in Sweden accepts Visa.
  • Visa prohibits merchants from charging an additional fee for purchases made with a Visa card. This is common practice for American Express and Diners cards in Sweden, where some merchants have decided to charge an additional fee for purchases made with these cards.
  • Mastercard has a slightly better exchange rate than Visa. However, it is so marginal that it is more important for you as a cardholder to keep track of the currency surcharge that the card institution or bank imposes.
  • Visa also prohibits merchants from having a minimum amount for card purchases, which could affect kiosks, supermarkets and other businesses where you can buy cheap products.

    In addition, Qred does not have an additional fee for purchases abroad.

What is the interest rate on the business card?

If your company pays the bill on time, there is no interest at all. However, if you are unable to pay on time, or choose to split the bill, you will start paying interest on that amount. That interest rate is company-specific and starts at 1.95%.

Business cards are usually used for smaller amounts, such as the purchase of small equipment like cameras, tools, office supplies, etc. Another common use is for recurring expenses that require a linked card. This can include digital services and tools, marketing costs for Facebook Ads or Google Ads.

Business loans are a common alternative and complement to business cards

If you don't make purchases related to your business very often, but still need smaller amounts to invest in things, a business loan can be a good option. At Qred, we offer business loans from 10 000 up to 2 million SEK.

It is also common to have a business card for everyday expenses and a loan to invest in inventory, marketing or to cover cash flow during a temporary downturn.

What are the benefits of a company card?

A business card can bring several benefits to your business and it works in the same way as a private credit card, but with a business card, the company is responsible for payment. The card can be designed as a regular credit card, a fuel card or as a debit card where the company has to deposit money to use it. Some companies choose to give each employee a company card, while other companies choose to have a card to share.

Why do you need a company card?

With the help of a business card, it will be easier for you as an entrepreneur to keep track of what expenses are private and which are the company's. With the help of a company card dedicated to only companies, you get a better overview and control over your expenses. In addition, it facilitates accounting and reduces administration.

Avoid unnecessary obstacles

Many struggle to find an effective way to manage their employees' outlays when using their private cards to buy something on behalf of the company.

This is because the transaction data remains with the employees until the expenses are reported. As a result, the company does not get an overview of what expenses are expected before the employee accounts are submitted. From the perspective of the employees, in this case they have to lie out with money waiting for compensation from the company. So there are several good reasons why the company should have a company card.

Even if you have no employees, it is still beneficial to use a company card. Then you can easily and conveniently distinguish your company's expenses from your private ones. With a company card, you do not have to spend time sorting receipts every month and keeping track of which expenses belong to the company or not.

It is common to receive a single invoice every month with all expenses. This simplifies administration very much, especially for the smaller companies that do most things themselves.

Google Pay

Do you use Android? Great, then we have good news! You can now leave your wallet at home and start making payments directly via your phone - Google Pay has come to Qred Visa!

Advantages of Google Pay

You've probably seen someone paying with their mobile phone or watch by now, or maybe you've already started paying yourself?

A mobile phone with Qred's virtual card for Google Pay

Making payments via Google Pay is becoming more common every day. No wonder, it's simply convenient! You don't have to bother with plastic cards and you can leave or forget your wallet at home without any problems - you still have the possibility to pay. Doesn't that sound pretty good?

Certainly, but it actually gets better - for all entrepreneurs with the Qred Visa!

If you order a Qred Visa from us, you no longer have to wait for the card to arrive at the door to make payments - Google Pay allows you to start making purchases immediately! It works with all corporate credit cards - all you have to do is activate and connect the card.

But it doesn't stop there - it actually simplifies accounting too.

Did you know that you can save all your company's expenses in our app by taking a picture of the receipt with your phone?

This helps you keep better track and ensures that you don't miss anything in your accounting. It doesn't matter whether you as the owner or someone else in the company makes a purchase, as long as the credit cards belong to the same company, everything is in one place. Google Pay makes the whole process even easier because you're already holding your phone when you make a purchase - it's just very natural to take a photo of the receipt right away.

Let's summarize the benefits!

Instead of taking out your wallet, then your card, making the payment and then also taking out your phone to take a picture of the receipt for accounting... You can manage it all with one tool - your phone (or tablet/watch of course)!

Now you're probably thinking - okay, this sounds great, I want to try it! But how do I do it?

How to link Google Pay to your Qred Visa

First, you need to activate your Qred Visa and connect it to Google Pay. It's easy, just follow these steps.

  1. Download Qred's app from Google Play.
  2. Login to the app and make sure your Qred Visa is activated.
  1. Look at the dark green card in the center of the screen and click on the "i" in the top right corner.
    ....
  2. Click on the "Add to Google Pay" button. This will open Google Pay which is already installed on your Android device.
  3. Add your Qred Visa as a payment card.
    >200D↩
  4. Verify.
  5. Done! Open our app, tap continue and you're ready to start paying with your phone.

You can also add the card via Google Wallet. Watch the clip!

How to use Google Pay with Qred Visa

Okay, you are now ready to start using Google Pay with your Qred Visa. How do you do it?

Hand with mobile that will use Qred VISA with Google Pay on a physical card terminal

If you are in a shop, just open the Qred app and hold your phone (or watch/tablet) against the payment box. You'll see a box asking for verification - complete the step and the purchase is done! You can watch this video from Google to see how it works.

Frequently asked questions and answers about Google Pay

  • Does it cost to use Google Pay? No, there are no costs associated with Google Pay.
  • Can I use Google Pay if I have an iPhone? No, it can only be used if you use Android.
  • Can I use my regular credit card if I activate Google Pay? Yes, it is perfectly possible to use both.

Contact us if you have any questions and good luck with your contactless payments.

Despite this, many companies do not act

According to a report by Eurocard in collaboration with KTH (Royal Institute of Technology), about 68 percent of all Nordic companies currently use company cards for their employees who have expenses in the service. The number of companies with the most efficient expense management is slightly higher, namely around 80%.

Several positive factors

There are more positive aspects to having cards linked to your business. By having a company card, you can improve both security and control. With the help of an additional software, such as an app, you can instantly get an overview of your company's expenses. It makes life easier as an entrepreneur and it's the little things that make a difference.

If you or your employees are on a business trip, the card acts as a security. However much planning and structuring has been done in the form of booking hotels, flights, rental cars and the like, there is always a risk that something will not go as planned. Then, as an entrepreneur, you cannot expect your employees to be able to afford to cover large costs. Having a business card in such a situation can make it very easy.

With a credit card, you as an entrepreneur have better control over all expenses made and with the help of an additional software can now see your expenses in real time.

Try us out! It's completely free!

You read that right. You can actually test the business card for free. It costs nothing to apply or to get the card in your mailbox.

There is also no extra charge for paying with the card. The only cost is if you choose to use the credit linked to the card.

However, if you pay your bill on time every month, there is no extra charge. Just as if you had a regular debit card where the money is withdrawn from an account.

Good, huh? 

See more 
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We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.