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You will receive a plastic card from VISA with a credit limit. You can see all the outlays on your card, set your own limits and block your card through the Qredappen. Qred's credit card is issued by Qred and can be used for business expenses both online and offline.

It is available to download in the Appstore or on Google Play. 

Now you can finally apply for your very own Qred card here! The application is free of charge and not binding. You will receive a reply within one hour, you will sign the offer with BankID and as soon as you have signed (along with any other co-signatories) we will send out your credit card within 3-4 business days. Apply for your Qred card today!

Your credit limit is based on your Qred score.

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The card is free of charge and has no monthly fee. Purchases have an average interest-free period of 30 days. Once a month you will receive an invoice with 14 days of payment terms. You choose whether to pay the whole invoice at once (0% interest) or to split it up. If you split a payment, a company-specific interest rate will be applied, starting at 1.95% per month. Your company's interest rate will be calculated once you have applied for a card. Visit our website to find out more about our price list and currency exchange rates.

What is meant by "up to 45 interest-free days"? 

Let us illustrate with an example.

• Billing period 1-31/1
• Due date 15/2
• Total 45 days if you make a purchase on 1/1, but 15 days if you make a purchase on 31/1.

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No, the company card does not support cash withdrawals.

To activate the card, you need the Qred app. It is available to download in the Appstore or on Google Play.

Once you have your card, tap "Activate my card" in the Qred app and enter the last four digits of the card number.

Watch the video below to see how.

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Yes, the Qred card works wherever Visa cards are accepted. Read more about our currency exchange rate here.

No, you don't need to connect your bank account to either the Qred card or the app.

Yes, you can get an unlimited number of cards (in principle) for your business - for free!

Control individual purchase limits and credit limits for each card in the app.

You can see this in the Qred app and also receive an invoice by email.

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Yes you can! You create more cards by:

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1. Open the Qred app
2. In the card menu, select "create card for employee"
3. Fill in the details of the employee who will receive the card

The card is then delivered to the same address as the original card within 7-9 working days.

You can do this easily in the Qred app, under "settings" select "increase credit limit". You will be notified within a day. If the increase is approved, the new limit will appear directly in the app.

The credit limit is set per client company and is between SEK 10,000-2,000,000.

The amount of credit we can offer is determined by the size of the company, its ratios and its payment history.

Please note that the amount may be increased later if you repay your invoices by the due date.

When you make a purchase with your card, whether in-store or online, you will automatically receive a discount of 1% of the purchase amount.

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-> The discount appears on the monthly invoice, so it reduces the amount you have to pay.  

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No discount codes to fill in and no hassle with points, but benefits that are directly visible in crowns.

We like that!

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If you open your wallet and take out a credit card, chances are that it is issued by either Visa or Mastercard.

There are also other cards issued by e.g. American Express or Diners. However, it is a little more unusual for these to be accepted by regular traders, as their transaction fees are often higher than for cards issued by Visa and Mastercard.

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Visa as a brand was founded in 1970 and is owned by a U.S. listed company - Visa Inc.

Like Mastercard, Visa does not issue its cards directly to the final consumer, but they cooperate with card institutions and banks that in turn deliver the cards to the recipient.

View Electron

Visa Electron is a simple card that requires account coverage to make purchases. As with Mastercard's counterpart, Maestro, you can't make purchases offline. Visa Electron must therefore always be connected to the bank for the card to work.

Credit card

Visa also has credit cards, both to individuals and companies. Then compiled all purchases made on an invoice that are later sent to the cardholder once a month. Visa not only has a credit card solution, but there are a plethora of different variants and options.

Mastercard

Mastercard Inc. founded in 1966, it is an American company. As with Visa, Mastercard does not issue any cards directly to the user, but there is always someone acting as an intermediary between Mastercard/Visa as the issuer and the end customer. Mastercard and Visa have coverage virtually all over the world and are a safe way to manage their payments.

Debit Mastercard

Debit Mastercard is a credit card associated with a bank account. When a purchase is made on the card, the money is deducted directly from the linked account.

Maestro

A card with the features included with maestro means that you must always be connected to the bank for a purchase to be made. Exactly like a visa electron card. Therefore, you cannot trade a Mastercard Mestro or Visa Electron from some flights, below the ground or other places where coverage may be poor.

Credit card

A "regular" Mastercard is a credit card that gets all purchases collected on an invoice and sent home to the cardholder once a month. After that, the cardholder can decide whether to pay the full amount right away or choose to part-pay the invoice.

One advantage that many people see with these credit cards is that it often comes with some kind of benefit, in the form of points systems, access to lounges when traveling or insurance. It is not Mastercard itself that solves these, but those terms may differ between card issuers and their different cards. Many people use different levels, often related to the credit limit or amount spent.

⚖️ What exactly is the difference between Visa and Mastercard?

It can be difficult to perceive any real differences between Mastercard and Visa. The general differences between Visa and Mastercard are:

• Mastercard has slightly better coverage internationally and is accepted overall by more traders than Visa.
• Visa prohibits merchants from charging an additional fee when purchases are made with a visa card. This is common for american express and diners cards in Sweden, where some merchants have decided to charge an additional fee for purchases with these cards.
• Visa also prohibits merchants from having a minimum amount for card purchases, which can affect kiosks, supermarkets and other businesses where you can buy cheap products in pieces.
• 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.

Fees and insurances from Visa and Mastercard

Fees such as monthly and annual fees can differ enormously between Visa, Mastercard and the respective card issuers. Thus, it is not Visa or Mastercard that set these fees and sometimes even hidden costs, but it is the card issuer that does it.

However, there are a number of different services offered directly from Visa and Mastercard's product portfolio.

For example, Mastercard can offer cancellation insurance and fraud protection, while Visa has travel insurance linked to its cards. Visa also has compensation for delayed baggage and a number of other travel and stay-related offers that make many people who travel a lot use a Visa card.

Therefore, review your needs. If you are someone who travels a lot, it is common for any card issued by Visa to suit you especially well.

Is Mastercard or Visa the best?

It is not the producer of the card itself, i.e. Visa or Mastercard, that will be the tongue on the scale for you as a cardholder. It is the bank or institution that provides the actual final product of the card.

But wait, now it just got harder to make the right choice?

Well, not really. In fact, we've compared Sweden's best credit cards for business owners so you can choose which cards are best for you.

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