Qred VISA is the business credit card for small companies in Germany. Pay for business purchases, separate personal and company expenses, and manage your cards digitally in the Qred app. With 1% cashback and up to three free employee cards.
1% cashback on purchases
No annual fee for the primary card
Up to 45 days interest-free on purchases
The Qred VISA primary card is free to obtain, with no annual or monthly fee. Ordinary purchases in euros have no transaction fee. Purchases remain interest-free for up to 45 days when the monthly statement is paid in full on time. You also receive 1% cashback on business purchases: €2,000 in purchases earns €20, credited to your monthly statement. Up to three employee cards are free.
Installments, foreign-currency payments, additional employee cards and certain services incur costs according to the price list.
Qred VISA brings your business purchases together on one monthly statement. Purchases remain interest-free for up to 45 days when you pay the statement in full on time. The actual interest-free period depends on the purchase date within the billing cycle. With installments, you repay at least 5% of the outstanding balance or €50 each month. The remaining balance attracts an individually determined interest rate from 1.95% per month. Installments offer flexibility but increase financing costs.
Payment option in installments
Up to 45 days interest-free on purchases
You decide whether you need the additional flexibility.
In the Qred app, you can view transactions, set individual card limits and block a card if it is lost or you notice suspicious payments. Qred supports you with disputes about purchases. Whether a refund is possible depends on the applicable conditions and the individual case. Qred Bank AB is a Swedish bank supervised by the Swedish Financial Supervisory Authority.
A business credit card helps small companies bring business payments together and keep track of expenses. Qred VISA combines credit, employee cards and digital card management.
Digital spending management
View card transactions and monthly statements digitally. Keep track of business spending and make it easier to assign payments for your bookkeeping.
Cash withdrawals
Cash withdrawals are available at ATMs that accept Visa. The fee is 3% of the amount, with a minimum of €3.50.
Up to 3 free employee cards
With a business credit card for employees, you manage team spending centrally in the app. Up to three employee cards are free; further cards cost €4.90 per month per card.
Individual credit limits
Set spending limits per card yourself via the app. Complete control over your business expenses.
Global acceptance
Pay online and in person wherever Visa is accepted. Payments in foreign currencies carry a 2% currency surcharge.
Digital wallet
Add your activated virtual card to Apple Pay or Google Pay and make contactless payments with your smartphone.
Pay for materials, spare parts or stock online with Qred VISA. Purchases earn 1% cashback. Card transactions appear on your monthly statement, helping you keep track of company payments.
As an alternative to a fuel card for companies, use Qred VISA at filling stations that accept Visa and for other business travel expenses. Purchases earn 1% cashback and payments are brought together on your monthly statement.
Use Qred VISA for business software subscriptions, phone bills and other regular purchases. With 1% cashback and a digital overview, company expenses are easy to track. Find out more about a credit card for self-employed people.
For project expenses such as software, travel and training, see our credit card for freelancers.
Jon, entrepreneur
Stockholm
Contact Qred if there is a problem with a purchase. Built-in purchase protection may enable a refund depending on the case and the applicable conditions. A refund is not automatically guaranteed. Examples of possible disputes include:
The product is damaged, defective, or faulty.
You become a victim of online fraud
The travel company or airline goes bankrupt before or during your trip
The product or service is not being delivered, for example due to delivery issues
.webp)
First, always contact the company or store you made the purchase from — in many cases, the problem can be resolved there. If that doesn't work, you can easily complain about your purchase by contacting us at Qred. We're here to help and answer any questions you may have about purchase protection.
Block your card in the Qred app and contact Qred if it is lost or you notice suspicious payments. Qred reviews disputed transactions under the applicable conditions. Keep order confirmations, receipts and your correspondence with the merchant. Whether a refund is possible depends on the individual case.
Qred's conditions apply. Requirements and possible exclusions may affect your eligibility for a refund.
Qred VISA is suited to everyday business purchases. For larger investments or additional capital needs, a business loan may be more suitable. Compare the purpose, repayment and total costs of both options.
No annual fee for the primary card
For everyday business expenses with 1% cashback, digital card management and up to three free employee cards. Installments and certain services incur costs.
No binding term
For investments in equipment, working capital or growth. Financing is assessed individually and tailored to your company.
Erfahren Sie, wie Sie die Qred VISA für unterschiedliche geschäftliche Ausgaben nutzen können – als Selbstständiger, Freiberufler oder mit Ihrem Team.
Answers to important questions about choosing and using Qred VISA.
Yes. The primary card is free to obtain and has no annual or monthly fee. Up to three employee cards are also free. Purchases remain interest-free for up to 45 days when you repay the statement in full on time. Installments attract interest from 1.95% per month. Further employee cards cost €4.90 per month per card. Payments in foreign currencies carry a 2% surcharge. Cash withdrawals cost 3%, with a minimum of €3.50. The current Qred VISA price list applies.
A business credit card is suited to companies, self-employed people and freelancers who regularly pay for business purchases and want to separate company and personal expenses. Employee cards help when several people make purchases for the company. Qred VISA approval and the credit limit depend on an individual credit assessment.
Yes. After approval and activation, you can add your virtual Qred VISA card to Apple Pay or Google Pay. This lets you pay with your smartphone before the physical card arrives by post.
We'll help you find the best financing solution for your business.
