Vivid Corporate Credit Card
Finances
Credit check
- Up to 30 sub-accounts with their own IBAN
- Up to 4% interest on deposits
- Free transfers (depending on account model)
Employee benefits
Integration with accounting
04/01/2025-04/30/2025 will receive 100% cashback on purchases with the Vivid business card
Services
Cashback 2 %
Insurance
Concierge Services
Online Banking
App
- Unlimited virtual and physical Visa cards
Travel benefits
Foreign Usage EU 2 %
Travel insurance
Car insurance
The Vivid Business Credit Card at a Glance
The Vivid business credit card has established itself as an innovative solution for self-employed individuals, freelancers, and companies. The Berlin-based fintech company Vivid Money offers a special business card in cooperation with Solarisbank and Visa that convinces with numerous functions and benefits. The Vivid business credit card is designed as a Visa debit card and is offered in various account models that cater to different company sizes.
In this comparison, you will learn everything about the costs, limits, cashback options, and experiences with the Vivid business credit card!
CURRENT OFFERS
New customers who open a Vivid business account between 04/01/2025-04/30/2025 will receive 100% cashback on purchases with the Vivid business card up to a maximum amount of €150.00
How to Apply for a Vivid Business Credit Card: It's That Simple
Applying for the Vivid business credit card is uncomplicated and can be done completely digitally. The process does not require a credit check, which is particularly advantageous for new entrepreneurs. Here's how to proceed:
- Visit the Vivid website and select "Open account"
- Enter your email address and confirm the PIN you received
- Choose the desired account model
- Fill out the form fields with your personal and company data
- Complete the video identification
- Submit documents confirming your status as an entrepreneur
After successful verification, you will gain access to your business account and can immediately start with virtual cards. The physical Vivid business credit card will be sent to you by mail.
Account Models and Costs of the Vivid Business Credit Card
Vivid offers various business account models with different service scopes:
For companies:
- Business Free Start: Free, 1 user, 2% fees for foreign transactions
- Business Basic: €7/month (annual payment) or €9/month, 15 accounts
- Business Pro: €19/month (annual payment) or €25/month, 30 accounts, 1% fees for foreign transactions
For self-employed and freelancers: - Vivid Standard: Free, 1% cashback on card payments
- Vivid Prime: €94.80/year, 2% cashback on card payments
Credit Card Limit at Vivid
The Vivid business credit card offers generous limits for everyday business:
- Daily limit for card payments: €20,000 per payment
- Monthly limit for card payments: up to €200,000 for companies, €50,000 for freelancers
- Cash limit per day: €5,000
- Cash limit per month: €10,000
These high limits make the Vivid business credit card particularly attractive for companies with regular larger expenses.
Cashback and Other Benefits
A special highlight of the Vivid business credit card is the attractive cashback program:
For companies:
- Up to 2% cashback on all expenses with the Visa card
- Up to 10% cashback on Facebook advertising and Amazon purchases
- Up to 6.5% cashback on parking fees
- Up to 4% cashback at gas stations
For self-employed:
- Up to 1.5% cashback on all purchases
- Up to 4% cashback on restaurant visits
- Up to 10% cashback on Amazon purchases
- Up to 3.5% cashback on taxi and ride services
Other benefits include:
- Up to 30 sub-accounts with their own IBAN
- Up to 4% interest on deposits
- Free transfers (depending on account model)
- Unlimited virtual and physical Visa cards
Using the Credit Card Abroad
The Vivid business credit card can be used worldwide wherever Visa is accepted. The following fees apply for transactions outside the Eurozone:
- Business Free Start: 2% fees for foreign transactions and withdrawals
- All other business account models: 1% fees for foreign transactions and withdrawals
- Self-employed: 1% fees for foreign transactions
It should be noted that transactions in foreign currencies are always processed in euros, and currently, no connection with foreign currency accounts is possible.
How to Cancel Vivid Credit Cards
Cancellation of the Vivid account and associated cards is done directly in the app and includes the following steps:
Delete all sub-accounts (pockets) except the main account
Block and delete all cards
Transfer remaining balance
Delete main account to initiate cancellation
Individual cards can be canceled at any time via the app function "Block card" and then "Delete".
Experiences with Vivid
The experiences with the Vivid business credit card are predominantly positive. Particularly praised are:
The intuitive and user-friendly app
The clear design and easy navigation
The uncomplicated registration without credit check
With an overall rating of "Good" based on over 15,000 experiences on Trustpilot, Vivid performs better than many other neobanks.
Is the Vivid Business Credit Card Worth It?
The Vivid business credit card is particularly attractive for:
- Self-employed individuals and freelancers looking for a free business account with a German IBAN
- Companies that want to benefit from attractive cashback programs
- Business customers who value digital banking and flexible card options
- New entrepreneurs who need an account without a credit check
The 2% cashback with the premium account models can already offset the monthly fees with a turnover of €1,000, making the Vivid business credit card a worthwhile option for many entrepreneurs.
With the combination of a free business account, attractive cashback options, and flexible card options, the Vivid business credit card offers a modern banking solution for entrepreneurs who want to manage their finances efficiently and digitally.
⇒ DISCOVER MORE IN OUR COMPARISON ARTICLE ON THE BEST CORPORATE CREDIT CARDS!