OP Business Gold

OP's new corporate credit card for smooth and safe payment. Manage your company's expenses, cash flows and cards flexibly.

Apply for OP Business Gold

Safer and easier payments with a corporate credit card

OP Business Gold is suitable for employers and employees. Card purchases are always charged to the credit facility, and you will receive a bill once a month. The card is not linked to the company's bank account. Employees can easily pay costs, such as travel expenses, without using their own money.

Smoother daily operations and more flexible cash flows for your company

OP Business Gold is a credit card that brings flexibility to your company's finances during seasonal and other fluctuations. When all your company's banking and cards are with OP, you can easily view your company's finances in one place.

Manage cards and monitor payments online

With the op.fi service, you can easily modify all card features and view card purchases in real time.

Apply for a card conveniently online

With the op.fi service, you can apply for OP Business Gold and order additional cards for employees. You can restrict card use by setting security limits.

Learn more about applying for a card

Product Protection Insurance gives cover to your purchase

Product Protection Insurance covers your company's purchases against breakage or theft. The insurance is included with OP Business Gold cards. The insurance is valid for 365 days.

Two free visits at airport lounges

With OP Business Gold, you get access to lounges at over 600 airports in more than 120 countries around the world. At Helsinki-Vantaa Airport you can use your two free visit per year in the Aspire Lounges or the Plaza Premium Lounge.

For whom is OP Business Gold intended?

OP Business Gold is a credit card for companies and employees. You can apply for OP Business Gold if your company is a customer of OP. A person authorised to sign for the company can apply for the first card via the op.fi service.

Payments & security

OP Business Gold is a credit card whose payment liability lies with a company.
Credit limit 2,000–100,000 euros.
You can apply for cards for the company's employees, who can collectively use credit up to the credit limit granted to the company.
Card management is easy in the op.fi service. You can set daily security limits and billing-period spending limits for each card.
You will get an average 35-day interest-free payment period for your company's small purchases, travel and entertainment expenses.
You can pay securely online and worldwide or withdraw cash at ATMs with a Visa logo.
Add your card to Apple Pay, Google Pay, Samsung Pay or Garmin Pay to pay easily with a smart device, wherever you are.

Easier cost management

By using a corporate credit card, you can keep business and private costs separate.
You can view all card purchases itemised by person in real time in the op.fi service. You will also receive the same information later a monthly bill.

Smooth and flexible cash management

With a credit card, you can pay conveniently in Finland and abroad, both online and in-store. You can also easily add your card to mobile payment services.
If you do all your banking with OP, you can clearly see all your company's finances in one place.

Apply for the first credit card and additional cards easily online

OP's corporate customers can apply for OP Business Gold.
A person authorised to sign for the company can apply for the first card via the op.fi service.
A card administrator appointed by the company can order additional cards for employees online, based on the company's needs.

Manage cards easily

Your company will have three access right roles for cards: authorised signatory, card administrator and cardholder.
For all roles, cards are managed through the op.fi service.

Free Product Protection Insurance covers your company's purchases

When you pay for your company's purchases using an OP Business Gold card, Product Protection Insurance covers the purchases against breakage or theft for one year.
The insurance is valid for your company's card purchases in Finland regardless of where or how the item was purchased.
The deductible is 75 euros.

Start your trip more comfortably in a lounge

LoungeKey membership offers you two free airport lounge visits per year. You can give one of your free visits to a travel companion.
At Helsinki Airport, you can use your free visits at OP Lounge and Plaza Premium Lounge. Please note that this benefit does not apply to Finnair Lounges.
A new OP Lounge is open at Helsinki airport. You can visit the lounge with your OP Business Gold card's LoungeKey membership. Children under 2 years old can enter the OP Lounge for free. Pricing is specific to each lounge, so always check the price in advance when visiting other lounges.
OP Lounge is located on the Schengen side, near gate 22 and the Plaza Premium Lounge on the non-Schengen side near Gate 40.
Please note that the OP Business Gold card's lounge benefit cannot be used at Aspire Lounges at gates 13 and 27. To access them, you will be required to pay the normal entry fee.