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Right now we are experiencing technical problems with our phone system, we apologize for the inconvenience. If you have an urgent matter please email us at support@qred.se or use the chat!
Our service will be under maintenance 15 Dec between 05-06.30. This can affect the application process.
It's easy - if you've made purchases of 10,000 SEK with your Qred VISA, you only pay 9,900 SEK at the end of the month. The cashback of 100 SEK is deducted from your monthly invoice.
Buying what your business needs with the Qred business card only costs the price of the purchase itself. If you pay your entire invoice at once, there are no extra costs. If you choose to pay by instalment instead, there is an individually determined interest rate starting at 1.95% per month.
Yearly fee
User fee
Several cards
0 SEK
0 SEK
Free up to 3 employees
Qred has helped over 50.000 small business customers with financing. Order your card today.
A great card with 1% cashback and no annual fee or currency surcharge, and the customer service is good in its treatment. Highly recommended!
- Jon, Stockholm
With our expense management, you get all your receipts digitally. Once you've bought 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 your expenses. Great, huh?
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We are proud members of the Swedish FinTech Association.
We are partners of the Swedish Franchise Association, which is an industry organization for franchising.
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We use BankID for fast and secure identification and signing.
Qred Bank AB is supervised by the Swedish Financial Supervisory Authority and is licensed to conduct banking operations.
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The Swedish Federation of Small Businesses is an organization for Swedish small business owners.
Qred was founded in 2015 by entrepreneurs for entrepreneurs and is now Sweden's fastest growing fintech company, according to the Financial Times. Qred has delivered profitable growth from the start and is the market leader in the Nordic region with Sweden's most satisfied customers, according to Trustpilot.
With operations in Sweden, Finland, Denmark, the Netherlands, Belgium, Norway, Germany and Brazil, Qred has issued hundreds of thousands of loans to small businesses. A fully automated and proprietary credit scoring system enables Qred to quickly and competitively provide business owners with the support they need to grow.
The card is free of charge and has no monthly fee. Purchases have an average interest-free period of 45 days. Once a month you will receive an invoice with 14 days payment terms. You choose whether you want to pay the whole invoice at once (0% interest) or split it up (from 1.95% per month).
After you have made a purchase with your Qred VISA, go to the last transaction in the app, click on the expense and select "Manage expense". You can then launch the camera on your mobile and take a picture of the receipt. Done!
Once you've taken a picture, enter the category that describes the type of purchase and the amount of VAT in SEK. At the end of each invoice period, you will receive a report of all transactions that have been processed.
Read more in our questions and answers page !
Make your business purchases easier with a business card from Qred Bank.
The company card can be used everywhere. Whether you use it for purchases or to help employees avoid expenses, you'll always have the money you need.
And the best part? It's all on a single invoice that arrives once a month.
We are proud members of the Swedish FinTech Association.
We are proud members of the Swedish FinTech Association.
We are proud members of the Swedish FinTech Association.
We are proud members of the Swedish FinTech Association.
We are proud members of the Swedish FinTech Association.
"Since we launched in 2015, we have helped more than 25,000 companies. Our goal is to constantly develop ourselves and our business to continue to strengthen our offering to help more businesses. Through the Visa membership, our product portfolio can be further broadened to fit our customers' everyday needs," says Emil Sunvisson, CEO of Qred."
The reason why it is so difficult for small businesses to get a business card with credit is that the traditional big banks do not want to give credit to small businesses. And our business card is a credit. It's as simple as that. The big banks want to make money from fees and not have to take risks. Unfortunately, risks are highest when companies are at their smallest or are just starting out. Therefore, the type of company can be a decisive factor.
Remember never to spend money that you are not sure you will have in the future, it is better to save.
It is only in recent years that people have started talking about BNPL, but credit cards were actually the first solution for Buy Now, Pay Later. As early as 1914 in the United States, the first version of the credit card saw the light of day.
The business card from Qred Bank allows you to manage your purchases in an easy way. Save physical receipts digitally directly in the app for easier bookkeeping.
Because it's already hard as it is to keep the private and the company apart. Expenses, posting, invoices and more dissolve the boundaries between work and your private finances.
It doesn't have to be that way.
With a business card, you get an overview of your expenses and can make those smaller investments 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, risk the result of the completed assignment or in the worst case rent the equipment, in this way you can buy the equipment and do what you do best - work.
General differences between Visa and Mastercard are:
If your company pays the bill on time, there is no interest at all. However, if you are unable to pay on time, or choose to split the bill, you will start paying interest on that amount. That interest rate is company-specific and starts at 1.95%.
Business cards are usually used for smaller amounts, such as the purchase of small equipment like cameras, tools, office supplies, etc. Another common use is for recurring expenses that require a linked card. This can include digital services and tools, marketing costs for Facebook Ads or Google Ads.
If you don't make purchases related to your business very often, but still need smaller amounts to invest in things, a business loan can be a good option. At Qred, we offer business loans from 10 000 up to 2 million SEK.
It is also common to have a business card for everyday expenses and a loan to invest in inventory, marketing or to cover cash flow during a temporary downturn.
A business card can bring several benefits to your business and it works in the same way as a private credit card, but with a business card, the company is responsible for payment. The card can be designed as a regular credit card, a fuel card or as a debit card where the company has to deposit money to use it. Some companies choose to give each employee a company card, while other companies choose to have a card to share.
With the help of a business card, it will be easier for you as an entrepreneur to keep track of what expenses are private and which are the company's. With the help of a company card dedicated to only companies, you get a better overview and control over your expenses. In addition, it facilitates accounting and reduces administration.
Many struggle to find an effective way to manage their employees' outlays when using their private cards to buy something on behalf of the company.
This is because the transaction data remains with the employees until the expenses are reported. As a result, the company does not get an overview of what expenses are expected before the employee accounts are submitted. From the perspective of the employees, in this case they have to lie out with money waiting for compensation from the company. So there are several good reasons why the company should have a company card.
Even if you have no employees, it is still beneficial to use a company card. Then you can easily and conveniently distinguish your company's expenses from your private ones. With a company card, you do not have to spend time sorting receipts every month and keeping track of which expenses belong to the company or not.
It is common to receive a single invoice every month with all expenses. This simplifies administration very much, especially for the smaller companies that do most things themselves.
Do you use Android? Great, then we have good news! You can now leave your wallet at home and start making payments directly via your phone - Google Pay has come to Qred Visa!
You've probably seen someone paying with their mobile phone or watch by now, or maybe you've already started paying yourself?
Making payments via Google Pay is becoming more common every day. No wonder, it's simply convenient! You don't have to bother with plastic cards and you can leave or forget your wallet at home without any problems - you still have the possibility to pay. Doesn't that sound pretty good?
Certainly, but it actually gets better - for all entrepreneurs with the Qred Visa!
If you order a Qred Visa from us, you no longer have to wait for the card to arrive at the door to make payments - Google Pay allows you to start making purchases immediately! It works with all corporate credit cards - all you have to do is activate and connect the card.
But it doesn't stop there - it actually simplifies accounting too.
Did you know that you can save all your company's expenses in our app by taking a picture of the receipt with your phone?
This helps you keep better track and ensures that you don't miss anything in your accounting. It doesn't matter whether you as the owner or someone else in the company makes a purchase, as long as the credit cards belong to the same company, everything is in one place. Google Pay makes the whole process even easier because you're already holding your phone when you make a purchase - it's just very natural to take a photo of the receipt right away.
Let's summarize the benefits!
Instead of taking out your wallet, then your card, making the payment and then also taking out your phone to take a picture of the receipt for accounting... You can manage it all with one tool - your phone (or tablet/watch of course)!
Now you're probably thinking - okay, this sounds great, I want to try it! But how do I do it?
First, you need to activate your Qred Visa and connect it to Google Pay. It's easy, just follow these steps.
You can also add the card via Google Wallet. Watch the clip!
Okay, you are now ready to start using Google Pay with your Qred Visa. How do you do it?
If you are in a shop, just open the Qred app and hold your phone (or watch/tablet) against the payment box. You'll see a box asking for verification - complete the step and the purchase is done! You can watch this video from Google to see how it works.
Contact us if you have any questions and good luck with your contactless payments.
According to a report by Eurocard in collaboration with KTH (Royal Institute of Technology), about 68 percent of all Nordic companies currently use company cards for their employees who have expenses in the service. The number of companies with the most efficient expense management is slightly higher, namely around 80%.
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 your 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. However 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 cannot expect your employees to be able to afford to cover large costs. Having a business card in such a situation can make it very easy.
With a credit card, you as an entrepreneur have better control over all expenses made and with the help of an additional software can now see your expenses in real time.
You read that right. You can actually test the business card for free. It costs nothing to apply or to get the card in your mailbox.
There is also no extra charge for paying with the card. The only cost is if you choose to use the credit linked to the card.
However, if you pay your bill on time every month, there is no extra charge. Just as if you had a regular debit card where the money is withdrawn from an account.
Good, huh?