Save money on everything you buy with Qred's corporate card
Get 1% cashback
Get several cards to the company - for free!
No monthly or annual fee
Våra experter kan svara på alla dina frågor du har om företagskoret. Ring oss och beställ ditt nya kort idag.
Order your business card here
You get 1% cashback on all purchases made with your Qred VISA business card - so you save money on all your business purchases. It's even simpler than it sounds: if you made a purchase for 10 000 kr, you'll only pay 9 900 kr at the end of the month. The earned cashback will be deducted from your invoice.
Get 1% cashback
Get cashback on all your business purchases
Spend more, save more!
With our expense management, you get all your receipts digitally right in app. Once you have purchased something, all you have to do is take a picture of the receipt with your mobile. At the end of each month, you will receive a report with all the transactions of your business card. This is how Qred VISA makes life easier for busy small business owners like you!
Take a picture directly in the app
Save your receipts digitally directly in the app
Clear overview and report of all transactions
Start using your virtual business credit card right through Apple Pay and Google Pay. No wallet? No problem! With Apple Pay and Google Pay, you can make contactless payments in apps, online or in stores directly through your iPhone or Apple Watch. Get full control of your and your employees' transactions in the app.
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Now you can easily withdraw cash from an ATM with your Qred VISA. In case of cash withdrawal, a fee of 3% of the withdrawn amount will be added, but not less than 35 kr.
With Qred's business credit card, you only pay for what you buy — nothing more. If you pay your entire bill at once, there will be no additional costs. If you want to use installments instead, there is an individually determined interest rate that starts at 1.95% per month.
Jon, small business owner
Stockholm
When you use your Qred VISA business card, you get built-in purchase protection for all your online purchases — both on Swedish and international sites. The protection applies without any upper limit on the amount of goods and services that can be advertised. With Purchase Protection, you can get your money back* if:
The product is damaged, defective or faulty
You are affected by online fraud
The travel company or airline goes bankrupt before or during your trip
The product or service is not available, for example due to delivery problems
Always contact the company or store where you made the purchase in the first place — in many cases they can solve the problem. If that doesn't work, you can easily claim your purchase by contacting us at Qred. We will help you further and will be happy to answer questions about the purchase protection.
If you experience fraud, identity theft or if someone unauthorised uses your Qred VISA business card, you can get your money back. This allows you to feel safe when shopping online. Your purchase protection applies from the moment the purchase is made until the item is in your hand. If the item is damaged or lost during transport, you can also apply for a refund*.
*Terms and conditions under Qred apply. Your right to compensation may be affected by our terms and conditions.
Apple Pay has finally arrived at Qred VISA. Now you can quickly and easily connect your virtual card to your digital wallet in your iPhone, Apple Watch, iPad or Macbook. Don't wait for your physical plastic card — get started today with your virtual card right in the app!
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Rushi, Country Manager for Sweden, and his team have answered frequently asked questions here:
How sad to hear that something has happened to your corporate card and we will do what we can to help you. Start by filling out the form by clicking on the link below and tell us what has happened. Once completed, you will be contacted by our customer team within three days.
NOTE! If you have lost your card or your card has been stolen, remember to block your card to prevent others from using your card.
Click here to claim your card.
The card is free of charge and has no monthly fee. The purchases have an average interest-free period of 30 days. Once a month you will receive an invoice with 14 days payment terms. You choose whether you want to pay the entire invoice at once (0% interest) or split it. 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 apply for a card. Visit our website to read more about our price list and our currency exchange rates.
What is meant by “up to 45 interest-free days”?
Let's illustrate with an example.
A business card is a card that is linked to the everyday expenses of the company. It is often linked to a credit and you can therefore say that it is a type of corporate credit card.
A business card is primarily used to distinguish between corporate and individual expenses and purchases. It can also facilitate administration, as it is often easier to record and there is no need to make private expenses to be accounted for.
Yes, with business card Qred VISA allows you to withdraw cash from an ATM.
It's simple! You make a free and non-binding application for a company card with us at Qred. Then our case managers will take care of the application and give you a notification within 1 hour. Then you can get started and use the virtual card together with Apple Pay and Google Pay directly. The physical plastic card will arrive in the mailbox within a week.
You can easily do this in the Qred app, under “settings” select “increase credit limit”. You will be notified within one day. If the increase is approved, the new limit will be visible directly in the app.
When you make purchases with your card, whether in store or online, you automatically receive a discount equal to 1% of the purchase amount.
-> The discount appears on the monthly invoice, so it reduces the amount you have to pay.
No discount codes to fill in and no hassle with points, without benefits that are immediately visible in crowns.
We like that!
You will receive a plastic card from VISA with a credit limit. You can see all the charges on your card, set your own limits and block your card through Qreds app. Qreds company card is issued by Qred and can be used for business expenses both online and offline.
It is available for download in Appstore or on Google Play.
The reason it's so hard for small businesses to get a business card with credit is because the traditional big banks don't want to leave credit to small businesses. And our corporate card is a credit. It's that simple. The big banks want to make money on fees and not have to take risks. Unfortunately, the risks are highest when companies are at their lowest or are start-ups. Therefore, the form of the company can be a decisive factor.
Remember to never shop for money that you are not sure you have in the future, then it is better to save.
“Since we launched in 2015, we have helped more than 25,000 businesses. Our goal is to continually develop ourselves and our business to continue strengthening our offering to help more businesses. Through Visa membership, our product portfolio can be further broadened to suit our customers' everyday needs,” says Emil Sunvisson, CEO at Qred.
It is only in recent years that people have started talking about BNPL, but credit cards were really the first solution for Buy Now, Pay Later. Already in 1914 in the United States, the first variant of credit cards saw the light of day.
With the business card from Qred Bank, you can manage your purchases in a simple way. Save physical receipts digitally directly in the app for easier bookkeeping.
Because it is already difficult as it is to keep the private and the corporate separate. Outlays, bookkeeping, invoices and more dissolve the boundaries between work and your private finances.
That's not how it should have to be.
With a business card, you can keep track of your expenses and can make those smaller investments to be able to grow today - and pay later. A common example is a freelancer who is going to photograph or film a wedding and needs a certain piece of equipment. Instead of not being able to take the assignment, risking the outcome of the completed mission or, in the worst case, renting the equipment, this way you can buy the equipment and do what you do best - work.
If your company pays the bill on time, there is no interest at all. If, on the other hand, you are unable to pay on time, or decide to postpone the bill, you will start paying interest on that amount. That rate is company-specific and starts at 1.95%.
Business cards are usually used for small amounts, such as the purchase of small equipment such as cameras, tools, office supplies, etc. Another common use is recurring expenses that require a linked card. This could be, for example, digital services and tools, marketing costs for Facebook Ads or Google Ads.
If you do not make very frequent purchases that are linked to your company, but still need smaller amounts to invest in things, a business loan can be a good option. At Qred we offer business loans from SEK 10,000 up to SEK 5 million.
It is also common to have a corporate card for everyday expenses and a loan to invest in inventories, marketing or to cover cash flow during a temporary slump.
A business card can bring several benefits to your business and it works in the same way as a credit card for individuals, but with a business card, the company is responsible for payment. The card can be designed as a regular credit card, a refueling card or as a debit card where the company must deposit money in order to use it. Some companies choose to give all employees a separate company card, while other companies choose to have a card to share.
With the help of a company card, it will be easier for you as an entrepreneur to keep track of which expenses are private and which are corporate. With a company-only business card, you get a better overview and control of your expenses. In addition to that, it facilitates accounting and reduces administration.
Many struggle with finding an effective way to manage their employees' expenses when they use their private cards to buy something on behalf of the company.
This is because the transaction data remains with the employees until the accounting of the expenses is made. As a result, the company does not get an overview of what expenses are expected before the employee accounts are submitted. From the employees' perspective, in this case, they have to be left with money waiting for compensation from the company. There are many good reasons why a company should have a business card.
Even if you do not have any employees, it is still beneficial to use a company card. Then you can easily and smoothly distinguish the company's expenses from your private ones. With a business card, you don't have to spend time sorting receipts every month and keeping track of what expenses are related to the company or not.
It is common to receive a single invoice each month with all expenses. This greatly simplifies administration, especially for the smaller companies that do most of the work themselves.
According to a report by Eurocard in collaboration with KTH (Royal Institute of Technology), approximately 68 per cent of all Nordic companies that use company cards for their employees have expenses in the service. The number of companies with the most efficient management of expenses is slightly higher, namely about 80 per cent.
There are more positive aspects to having cards linked to your business. By having a company card, you can improve both security and control. With the help of an additional software, such as an app, you can instantly get an overview of the company's expenses. It makes life easier as an entrepreneur and it's the little things that make a difference.
If you or your employees are on a business trip, the card acts as a security. No matter how much planning and structuring has been done in the form of booking hotels, flights, rental cars and the like, there is always a risk that something will not go as planned. Then, as an entrepreneur, you can't expect your employees to be able to afford to cover large expenses. In such a situation, having a company card can greatly facilitate.
With a credit card, you as an entrepreneur have better track of all expenses that are made and with the help of an additional software can now see your expenses in real time.
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