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

It can be downloaded from the Appstore or Google Play. 

Now you can finally apply for your very own company card! The application is free of charge and not binding. You will receive an answer within an hour, you sign the offer with BankID and as soon as you have signed (together with any other co-signers) we will send out your credit card within 3-4 working 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 App Store 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 do not need to connect your bank account to either Qred VISA or the app.

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

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Yes, with Qred VISA you get free cards for up to 3 employees. This applies to both physical and virtual cards.

You create multiple cards by 

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 physical 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 10 000-2 000 000 SEK. 

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, for example, American Express or Diners. However, these are less likely to be accepted by regular merchants, as their transaction fees are often higher than for cards issued by Visa and Mastercard.

visas

Visa as a brand was founded in 1970 and is owned by an American publicly traded company - Visa Inc.

Like Mastercard, Visa does not issue its cards directly to the end consumer, but works with card institutions and banks who in turn deliver the cards to the recipient.

Visa Electron

Visa Electron is a simple card that requires funds in your account to make purchases. As with Mastercard's equivalent, Maestro, it is not possible to make purchases offline. Visa Electron must therefore always be connected to the bank for the card to work.

Credit card

Of course, Visa also has credit cards, both for individuals and businesses. In this case, all purchases made are compiled on an invoice that is later sent to the cardholder once a month. Visa does not only have one credit card solution, but there is a plethora of different variants and options.

Mastercard

Mastercard Inc. was founded in 1966 and is an American company. As with Visa, Mastercard does not issue cards directly to the user, there is always an intermediary between Mastercard/Visa as issuer and the end customer. Mastercard and Visa have worldwide coverage and are a secure way to handle payments.

Debit Mastercard

Debit Mastercard is a credit card linked to 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 of Maestro means that you always have to be connected to the bank to make a purchase. Just like with a Visa Electron card. You can therefore not make purchases with a Mastercard Mestro or Visa Electron from certain flights, underground or other places where coverage may be poor.

Credit card

A "regular" Mastercard is a credit card that has all purchases collected on one invoice and sent to the cardholder's home once a month. The cardholder can then decide whether to pay the full amount at once or to pay the invoice in installments.

An advantage that many people see with these credit cards is that they often come with some kind of benefit, such as a points system, access to lounges when traveling or insurance. It's not Mastercard itself that delivers these, but these conditions can differ between issuers and their different cards. Many use different tiers, often related to the credit limit or the amount spent.

What 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 international coverage and is accepted by more merchants overall than Visa.
• Visa prohibits merchants from charging an additional fee for purchases 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 setting a minimum amount for card purchases, which could affect kiosks, supermarkets and other businesses where you can buy cheap products in bulk.
• 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 insurance from Visa and Mastercard

Fees such as monthly and annual fees can vary enormously between Visa, Mastercard and the respective card issuers. These fees and sometimes even hidden costs are not set by Visa or Mastercard, but by the card issuer.

However, there are a variety of services offered directly from the Visa and MasterCard product portfolio.

For example, Mastercard can offer cancellation and fraud protection, while Visa has travel insurance linked to its cards. Visa also offers compensation for delayed baggage and a range of other travel and stay-related benefits offer which is why many frequent travelers use a Visa card.

So look at your needs. If you are a frequent traveler, a card issued by Visa may be particularly suitable for you.

Is Mastercard or Visa best?

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

But wait, now it just got harder to choose the right one?

Well, not really. In fact, we've compared Sweden's best credit cards for entrepreneurs so you can choose which cards are best for you. Or simply apply for a business card from Qred now!

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It all depends on your business and what you want to use the card for. The Qred VISA has: 

• 1% cashback on all purchases - even online!
• Up to 45 interest-free days
• You can get multiple multi-user cards for the company and set individual purchase limits.
• Save your receipts directly in the app and get a report every month.
• Manage everything in our app
• Get started immediately with Apple Pay and Google Pay after an approved application.

The Qred VISA business card is also completely free of charge. Is the Qred corporate card the best corporate card? Apply now and find out right away!

A corporate card is a card linked to the company's everyday expenses. It is often linked to a credit line and can therefore be said to be a type of business credit card.

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A company card is primarily used to distinguish between company and personal expenses and purchases. It can also facilitate administration, as it is often easier to keep records and avoids the need to report private expenses.

Often a company card has a fixed cost. This can be a one-off cost or a recurring cost such as a monthly, quarterly or annual fee. There is also an interest charge for the credit used (if it is a business credit card). This is often individual for each company and Qred's interest rate starts at 1.95%. However, Qred has no fee for obtaining or using the card, so if you pay the balance on time every month, owning and using the card is completely free of charge. You can also get multiple cards for other company employees - for free! There is usually a charge for this, but not with Qred.

So it is difficult to say exactly how much a company card costs. The simple answer is that it depends on how much you use it and whether or not you use the credit.

Simple! You make a free and non-binding application with us at Qred. Our administrators will take care of the application and give you an answer within 1 hour. Then you can get started and use the virtual card together with Apple Pay and Google Pay right away. The physical plastic card will arrive in your mailbox within a week.

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Read more and apply for the Qred VISA