Yes, with Qeld VISA, you get free cards for up to 3 employees. This applies to both physical and virtual cards.

You can create multiple cards by following these steps:

• Open the Qeld app
• In the map menu, select “Create a card for employee”
• Fill in the details of the employee who will receive the card
• The physical business credit card will then be delivered to the same address as the original card within 10 business days.

A purchase can have an interest-free period of a minimum of 15 and a maximum of 45 days, depending on when you make it within the billing cycle.

Concrete example: A new laptop

Imagine buying January 1 a new laptop for €1,500. This is at the start of the billing period (January 1-31). The invoice for all your January expenses expires only February 15. This means that you have to pay for the laptop You can delay for 45 days, which gives your cash flow the necessary breathing space.

Note: if you're using that same laptop January 31 had purchased, the last day of the billing period, the invoice would still be on February 15 expired. In that case, you have 15 days to pay.

The flexibility of the business credit card Qeld VISA allows you to plan your purchase strategically within this period.

The Qeld VISA costs you nothing to have in your pocket: there are no annual or monthly costs. Purchases are interest-free for an average of 30 days. When it comes to payment, you have complete flexibility.

Once a month, you will receive an invoice with a 14-day payment period. You choose how to pay: the full amount without interest, or you split the payment with an interest rate of 1.95% per month. Your interest rate is determined when you apply for the card.

More information about our price list and exchange rates can be found on our website.

No. You don't have to be a Qeld customer to apply for a business credit card. The Qeld VISA is available to all entrepreneurs who are registered with the Dutch Chamber of Commerce with their company and whose owners are registered in the Netherlands.

The card is a smart addition to your current financial tools and does not replace your bank account. So you don't have to change banks or open a new account. With the Qeld VISA, you get the flexibility you need without unnecessary bureaucracy.

Applying for the Qeld VISA is designed to be as quick and easy as possible, so you can get started with your business right away. The request is completely free and non-binding, which means that it does not involve any risks or obligations. You fill in your details in the blink of an eye and, in most cases, receive a personal response within a few hours.

Once your request has been approved, sign the offer securely with iDIN. Then, the virtual card is immediately available, so you can start business spending right away and benefit from 1% cashback right away.

So you don't have to wait for the physical card to start saving. The physical card follows and is usually sent within 10 days after all necessary signers have given their agreement. This is how we offer you the speed, flexibility and control you deserve from the first moment

The concept of cashback originated in the 1980s in America, as a smart way to instantly reward customers for using their cards. Today, Qeld brings this concept to the Netherlands, but better. Cashback isn't complicated loyalty points or air miles; it's simply cash back on your business purchases. For every transaction with your Qeld VISA, you get 1% of the amount back. This money is automatically deducted from your monthly bill. This way, you can benefit from an immediate benefit without hassle.

Transparency is important to us. That is why we are also clear about when costs do apply. Do you opt for extra financial flexibility by paying your bill in instalments? Then, after the first interest-free period, interest will be charged. Want to withdraw cash at an ATM? No problem, but then we charge a small fee for that service. And in the unlikely event that you are late in paying, reminder costs may apply. Full details can be found in our terms and conditions and cost overview, so you know exactly where you stand, with no surprises or hidden costs. Clear and clear!

Yes, the Qeld VISA credit card is completely free to carry! Very simple: the Qeld VISA business credit card has no annual or monthly costs. Point. If you use the card smartly and pay your full bill (the purchases you have made) before the due date, we will not charge interest. And then there's the 1% cashback. It comes with all your business purchases and is automatically deducted from your monthly bill.