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1% cashback on all purchases — even online!
The perfect credit card for the self-employed
A quick, uncomplicated and unbureaucratic process
Wenn unsere Firmenkarte auf den Markt kommt, erfahren Sie es als Erstes!
Credit cards for self-employed people are a central tool for professional financial management. They make it possible to clearly separate private and business expenses, create transparency in accounting and offer financial leeway when income fluctuates.
The Qred credit card for self-employed people is a business VISA credit card for sole proprietors and small businesses in Germany. It was developed specifically for self-employed entrepreneurs who are looking for a quick, digital and unbureaucratic solution.
No annual fee.
No fixed monthly costs.
With a payment term of up to 45 days.
Apply for a credit card for self-employed people now.
Jon, Unternehmer
Stockholm
The Qred credit card for self-employed people is a business VISA credit card for sole proprietors and small businesses in Germany. With no annual fee and a payment period of up to 45 days, it offers flexible liquidity management and a clear separation of private and operational expenses. The completely digital application only takes a few minutes and the virtual card can be used immediately.
Business credit cards For self-employed people, business credit cards are used exclusively for business expenses. They run through the company and ensure a clear separation between private and business payments.
The Qred corporate credit card for self-employed people can be used anywhere in the world where VISA is accepted — in Germany, within the EU and internationally.
The credit decision is subject to a credit check.
Not every self-employed person is a freelancer — and not every freelancer is a trader.
Freelancers usually practice so-called liberal professions (e.g. consultants, IT freelancers, lawyers). Self-employed people in a broad sense also include craftsmen, retailers, restaurateurs, service providers or operators of small businesses.
This page is aimed specifically at self-employed people with their own businesses or small businesses who regularly incur operational expenses and want to professionalize their financial structure.
For freelancers, you can find a separate solution on our Freelancer Credit Card page.
A corporate credit card for self-employed people is particularly worthwhile if operational expenses are regularly incurred and liquidity must be actively managed.
Typical scenarios:
Craftsman's workshop
Material costs are incurred before the customer pays. The credit card creates financial leeway until payment is received.
online retailer
Marketing campaigns or product purchases must be pre-financed. The payment term allows flexibility.
Service provider with project business
Travel expenses, software subscriptions or project upfront costs are often incurred before a project is completed.
For very rare or irregular business expenses, a simple single card may also be sufficient. However, with continuous entrepreneurial activity, a business credit card offers clear advantages.
Anyone looking for the best corporate credit card for self-employed people should pay less attention to bonus programs and more to structure and transparency.
The decisive factors are:
Many traditional banks treat self-employed people more restrictively than larger companies. A solution that specializes in small businesses and self-employed people takes better account of the reality of entrepreneurial activity.
The advantages of a corporate credit card for self-employed people are particularly evident in everyday life:
Clear separation of finances
Private and corporate payments remain neatly separated — this makes tax and bookkeeping easier.
Liquidity margin
With a payment term of up to 45 days, there is financial room for manoeuvre.
Scalability without fixed cost pressure
Your fixed costs don't increase as you grow. There are no monthly fees that add an additional burden to your company.
This cost structure is particularly important for small companies.
The application process is completely digital and deliberately kept simple.
No branch appointment.
No paperwork.
No lengthy banking processes.
For self-employed people, speed counts.
Many are specifically looking for a free credit card for the self-employed.
With Qred, this means:
There is no annual fee.
There are no fixed monthly costs.
If you repay the outstanding amount in full within up to 45 days, there will be no interest. Costs only arise if you consciously opt for the installment option.
The complete pricing structure can be viewed transparently.
As a self-employed person, you have full corporate responsibility. Control is therefore important.
With the Qred corporate credit card, you keep:
If lost, the card can be blocked. Administration is digital and centralized.
The credit check is carried out at company level.
Compared to many traditional banking solutions, a specialized corporate credit card offers clear advantages for self-employed people.
The best corporate credit card for self-employed people is the one that fits your business model and does not cause unnecessary fixed costs.
With the app, you can always keep track of:
This transparency is particularly crucial for self-employed people without their own financial team.
For more information, please visit our corporate credit card, credit card for freelancers, corporate credit card for employees and fuel card for companies.
Qred is a bank from Sweden with a focus on small and medium-sized companies in Germany.
As a regulated financial institution, Qred is subject to European banking regulations and high security standards. The focus is on data protection and transparent pricing structures.
Credit decision subject to credit check.
Which is the best corporate credit card for self-employed people?
The best corporate credit card for self-employed people offers transparent costs, no annual fee, flexible repayment and quick digital application. A solution that grows with your company is crucial.
Is there a free credit card for self-employed people?
Yes There are no annual or monthly fees with Qred. Costs are only incurred when using the installment option.
Does a company credit card make sense for self-employed people?
Yes, if operating expenses arise regularly and private and business payments should be clearly separated. It creates structure and liquidity leeway.
How quickly can I use the credit card?
Once approved, the virtual card is immediately available and can be used directly with Apple Pay or Google Pay. The physical card will be delivered within approximately one week.
Apply for a credit card for self-employed people now
Get a flexible, fast and transparent credit card for self-employed people — without an annual fee and with a payment term of up to 45 days.
Apply for your business credit card now and professionalize your financial structure.
Wir helfen Ihnen, die beste Finanzierungslösung für Ihr Unternehmen zu finden.
