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We are currently having problems with our phones. Please send an email to support@qred.se or chat with us here on the website. We apologize for this and are working on a solution.
Right now we are experiencing technical problems with our phone system, we apologize for the inconvenience. If you have an urgent matter please email us at support@qred.se or use the chat!
Our service will be under maintenance 15 Dec between 05-06.30. This can affect the application process.
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.
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.
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.
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See the full price list here
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
Use the credit card's interest-free period
Works with all bankgiros in Sweden
Pay all types of invoices; utility bills, supplier invoices and more
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).
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 crowns. At the end of each invoice period, you will receive a report of all transactions that have been processed.
Yes, once you have received and activated your Qred business card, you can use it to pay invoices using the Qred mobile app.
More questions? Find the answers here!
"Since we launched in 2015, we've helped more than 25,000 businesses. Our goal is to constantly develop ourselves and our business to continue to strengthen our offering to help more businesses. The Visa membership will further broaden our product portfolio to fit the everyday needs of our customers," says Emil Sunvisson, CEO of Qred."
Use Qred Visa to pay suppliers and other invoices with your Qred credit card. There is no cost to obtain and use the card, as long as you pay your balance on time each month. No monthly or annual fee, with up to 45 interest-free days.
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.
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.
General differences between Visa and Mastercard are:
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.
