Postbank Business Card plus

Postbank offers business customers three different corporate credit cards for their payment transactions. The Business Card plus is considered "the practical card" and, in combination with a Postbank business account, is available without a credit check for you and your employees. Find out what makes the Business Card “practical,” its pros and cons, and everything else you need to know about the corporate credit card in our credit card review for businesses.

The Business Card plus can be easily applied for online in just a few steps. However, you must already have a Postbank business account as the debit account. Creditworthiness is not checked separately for the Business Card plus for either you or your employees.

You can issue multiple cards to your employees without them needing account authorization – making the process simple while you maintain full control. Whether a corporate credit card can be used for private expenses depends on your company's policies. In most cases, private use of corporate credit cards is not permitted. For accounting, it is easier if private and business expenses are kept separate, preventing tax complications.

Since the Business Card plus is always linked to the business checking account and expenses are debited directly from the account as a debit card, you can view all transactions in your regular online banking for the account.

You and your employees can easily pay online and on-site at home and abroad with the corporate credit card, as well as withdraw up to 1000 euros in cash. At the bank counter, this costs 3%, at ATMs 2.50%, with a minimum withdrawal amount of 5 euros. Depositing money with the Business Card plus is not possible.

Since you can only apply for the card in conjunction with a Postbank business checking account, the account management fees form the basis. The card itself costs 24 euros per year, with the fees for cash withdrawals mentioned above. There are no extra costs for foreign use in EU countries. In other countries and currencies, 1.85% of the amount moved is charged.

Services such as a regular replacement card and the Postbank Card Service are free for you.

In 2020, Postbank announced the transition from Visa to Mastercard as its exclusive partner and began implementing it in 2023. While existing Visa cards remained valid, new card applications are now only processed as Mastercards.

Booking rental cars and hotels is possible with the Postbank Business Card plus, but there are no additional bonuses. You can use the card for worldwide payments.

The Postbank Business Card plus has manageable costs and features. A solid corporate credit card with employee cards and the Mastercard system. If you value services like cashback, miles, or accounting integration, check out the Miles & More corporate credit cards.