What is the Knab Business Credit Card?
The Knab Business Credit Card is a Visa credit card for entrepreneurs, issued via ICS (International Card Services). The card is exclusively available to Knab business account holders with a valid Dutch Chamber of Commerce (KVK) registration. It provides a genuine business credit line — not a prepaid solution, but a full credit card that lets you make purchases up to your spending limit and settle the balance monthly.
To apply for the Knab Business Credit Card you need a Knab business current account. Existing Knab business customers can apply directly through Mijn Knab. If you are not yet a Knab customer, you must first open a Knab business account — the process is fully online. KVK registration is required; the card is available to sole traders, partnerships, private limited companies (BV) and other legal entities.
A major advantage is that the BKR registration is at business level, linked to your KVK number — not to your personal BKR credit file. This is crucial for freelancers and sole traders: your business card does not affect your personal credit profile, which matters when you also want to apply for a mortgage or personal loan.
Costs and conditions
The Knab Business Credit Card costs €38 per year — making it one of the most affordable business Visa cards in the Netherlands. For freelancers and small businesses, this represents exceptional value, particularly given the extensive bookkeeping integration and insurance coverage included in the package.
The interest-free period is 30 to 50 days, depending on the transaction date within the billing cycle. Provided you settle the full balance each month, you pay no interest. If you do not pay in full, ICS charges interest on the outstanding balance. The credit limit is set based on your business situation. The BKR registration is on your KVK number, leaving your private BKR file untouched.
A Knab business account is required. Knab is an online bank, meaning all services are digital — there are no physical branches. For entrepreneurs comfortable with online banking this is not a drawback; those who prefer in-person advice at a branch may be better served by a traditional bank.
Unique business benefits
The most distinctive advantage of the Knab Business Credit Card is its automatic VAT splitting. Every transaction is automatically split into the net amount and VAT. Thanks to direct integration with Exact Online, AFAS, SnelStart and Twinfield, these amounts are automatically posted to your accounting software. This saves hours of manual data entry every quarter.
The Knab Business Credit Card includes 180-day purchase insurance — nearly double the standard 90 days offered by most other cards. Cover applies to theft, accidental damage and non-delivery of purchases made with the card. Additionally, legal assistance is included via SOS International, providing protection in case of legal issues during business activities and travel.
The card also includes a business travel insurance for work-related travel both domestically and abroad. The combination of bookkeeping integration, purchase insurance, legal assistance and travel insurance makes the Knab Business Credit Card an exceptionally comprehensive package for just €38 per year.
Who is the Knab Business Credit Card best for?
The Knab Business Credit Card is the ideal choice for freelancers and sole traders who want to automate their bookkeeping. If you already work with Exact Online, AFAS or SnelStart, the automatic integration and VAT splitting will save you significant administration time each quarter. The combination of a low annual fee and high functionality makes the card particularly attractive for the self-employed.
It is also an excellent choice for small businesses and entrepreneurs who already bank with Knab or are considering switching. Knab is known for its transparent pricing, digital-first approach and business focus. The Business Credit Card fits seamlessly into the Knab business ecosystem.
The card is less suitable for entrepreneurs who prefer in-person banking or who need a large physical branch network. For businesses that are satisfied with their current bank and do not want to switch to Knab, the card is less accessible — the Knab business account remains a hard requirement.
Knab Business Credit Card — Pros & Cons
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Frequently asked questions about the Knab Business Credit Card
Do I need to be a Knab customer for the business credit card? +
How does the automatic VAT splitting work? +
Which accounting packages are integrated? +
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