Business credit card for employees with 3 free cards

When are employee cards useful?

Employee cards suit teams where several people regularly incur business expenses. Examples include buying materials for a trade business, software subscriptions for an agency or booking hotels for business trips. Employees can pay directly with their own card instead of submitting expenses for reimbursement.

If only one person makes purchases, a single card may be sufficient. For a growing team, additional cards help you identify spending on each card and set appropriate limits.

How much do employee cards cost?

Qred VISA is free to obtain and has no annual fee. Ordinary purchases in euros are free of charge. Three employee cards are included; each additional employee card costs €4.90 per month.

Costs at a glance

• Three employee cards: free
• Additional employee cards: €4.90 per month per card
• Full repayment: up to 45 interest-free days for purchases when paid by the due date
• Instalments: interest from 1.95% per month; minimum monthly repayment of 5% of the outstanding balance, at least €50
• Foreign-currency payments: a 2% surcharge on the exchange rate set by Visa
• Cash withdrawals: 3% of the amount, with a minimum fee of €3.50

A purchase abroad does not incur a foreign-currency fee simply because of its location. What matters is whether the payment is in a currency other than euros. You can find all fees and other services in the price list.

Card costs for a growing team

There are no monthly card fees for three employee cards. With five employee cards, the two additional cards cost €9.80 per month in total. Costs for instalments or other chargeable services may apply separately.

Manage employee cards centrally

The Qred app gives you an overview of cards, transactions and the available credit limit. Individual card limits help you tailor spending allowances to each employee's responsibilities. Card limits do not replace your company's approved overall credit limit.

How to organise card use in your team

1. Assign cards: Decide which employees need their own card for business expenses.
2. Set limits: Match spending allowances to each person's responsibilities, such as materials or travel expenses.
3. Review spending: Check transactions in the app and agree internally how receipts should be submitted.
4. End access: Block a card if it is lost or an employee should no longer use it.

Keep business and personal expenses separate

Before issuing a card, agree which purchases are allowed, which approvals are needed and how to handle personal payments. A card limit restricts the spending allowance but does not replace an internal card-use policy.

If a personal payment is made by mistake, arrange reimbursement and the appropriate accounting treatment internally. Contractual obligations and liability are governed by the card agreement and applicable terms.

Apply for Qred VISA for your team

You apply online on behalf of your company. Qred assesses the application and decides on approval and the credit limit. After approval, you can use the virtual card and pay with Apple Pay or Google Pay. The physical card is sent by post.

For regular fuel purchases, read about the fuel card for businesses. If you work without a larger team, our pages on the credit card for the self-employed and the credit card for freelancers may be useful.

Frequently asked questions about employee cards

How many employee cards are free?

Three employee cards are included free of charge. Each additional employee card costs €4.90 per month.

Are employee cards free to use?

Ordinary purchases in euros are free of charge. Purchases are interest-free for up to 45 days when you repay in full by the due date. Instalments, foreign-currency payments and certain other services may incur costs.

Can I set different limits for employees?

Yes, you can set individual card limits. Your company's approved overall credit limit still applies.

Can employees use the card for personal purchases?

The card is intended for business expenses. Set internal rules for permitted use and resolve accidental personal payments with the responsible person in your company.

What happens when an employee leaves the company?

Block their card so it can no longer be used. Review outstanding transactions and make sure the relevant receipts have been collected.