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Our service will be under maintenance 15 Dec between 05-06.30. This can affect the application process.

Credit card for businesses

Save money on everything you buy with Qred VISA

Get 1% cashback
Get more cards for your business - for free!
Smart expense management directly in the app

Order your Qred VISA here!

Qred Visa card payment

Buy today, pay later

Make your business purchases easier with Qred VISA. The credit card can be used anywhere. Whether you use it for purchases or to pay your bills, you'll always have the money you need. And the best part? It's all on one invoice that comes once a month.

Save while you spend

With Qred VISA you save money on all your business purchases! Every time you use your 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 Qred VISA 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 %

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 card
View purchases and transactions
Manage card settings

Download the app: 

App Store DownloadGoogle Play Download
Qred Visa card with app

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.

Can I pay invoices with my company card?

No, not with Qred. 

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!

Why did we create a credit card for entrepreneurs?

"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."

Credit cards are a credit

The reason why it is so difficult for small businesses to get a business card with credit is that banks do not want to give credit to small businesses. And a credit card is a credit. It's as simple as that. The big banks want to make money on fees and not have to take risks. Unfortunately, the risks are highest when companies are at their lowest or are start-ups. That's why 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.

Credit 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.

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.
  • Visa also bans merchants from having a minimum amount for card purchases, which could affect kiosks, grocery stores and other businesses where you can buy cheap products.
  • 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 be aware of the currency surcharge applied by the card issuer or bank.

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

Try us out! It's completely free!

You read that right. You can actually test the credit 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.

See more 

Contact us!

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

Estimated waiting time:
Less than 1 minute

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

Estimated waiting time:
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