The details shown below are for a card without rewards
The details shown below are for a card with Suncorp Rewards
The details shown below are for a card with Qantas Frequent Flyer
Choose the version of this credit card that suits you best
Name | Rewards program | |
---|---|---|
|
Clear Options Business | n/a |
|
Clear Options Business (Rewards) | Suncorp Rewards |
|
Clear Options Business (Qantas Rewards) | Qantas Frequent Flyer |
Clear Options Business
Rewards: n/a
Clear Options Business (Rewards)
Rewards: Suncorp Rewards
Clear Options Business (Qantas Rewards)
Rewards: Qantas Frequent Flyer
The Suncorp Clear Options Business Card comes with a purchase rate of 18.45% p.a. and 55 interest free days to pay off your balance. If you have a large team with individual expenses, you’ll be glad to find you can add up to 99 additional cardholders and set monthly limits for each. You’ll also be able to upgrade to Suncorp’s rewards membership program, which provides a range of handy services, along with the chance to earn points on eligible purchases.
Plus in 2021 this card bagged a Mozo Experts Choice Award for best Rewards Business Credit Card.
With a purchase rate of 18.45% p.a., 55 interest free days and a host of features to help make running your business as smooth as possible, the Suncorp Clear Options Business Card could be a worthwhile addition to any business owner’s toolkit.
You’ll be able to add up to 99 additional cardholders and set monthly limits and receive statements for each, allowing large teams to cover business expenses with minimal hassle. Just keep in mind that an additional card fee of $45 per year will apply.
And if you’re willing to pay a little bit extra each year, there’s also an optional rewards program with two levels of membership depending on your rewards points preferences. Cardholders can choose to redeem points at either an individual or business level.
Standard Rewards Membership: this tier costs $20 p.a. per card issued and lets cardholders earn 1 Suncorp Credit Card Rewards Point for every dollar spent on eligible transactions (this is capped at 80,000 points per year for each card).
Premium Rewards Membership: this tier costs $69 p.a. per card issued and lets cardholders earn 1 Suncorp Credit Card Rewards Point for every dollar spent on eligible transactions (up to 80,000 points per year for each card). These can then be redeemed for Qantas Frequent Flyer Points, at a rate of 2.5 Suncorp Credit Card Rewards Points for 1 Qantas Frequent Flyer Point.
Rewards customers can also take advantage of a personal business assistant to help with travel bookings, event and hotel bookings, conference services and more. They will also be able to access Suncorp’s online travel portal to book flights and hotels, rent cars, and browse a range of holiday packages.
Business owners with large teams will likely appreciate the Suncorp Clear Options Business Card, given it allows for up to 99 additional cardholders.
Make sure to familiarise yourself with the different fees that come with the card. You’ll also have to watch out for the $30 late payment fee, which will be debited to your account if you fail to make the minimum payments before they’re due.
18.45% p.a. |
|
none |
|
No current offer |
|
none |
|
19.45% p.a. |
|
55 |
$45.00 |
|
none |
|
none |
|
none |
|
$30.00 |
|
3.50%, min $3.50 |
|
3.40% |
|
$14.00 |
|
$14.00 |
|
$45.00 |
$30.00 |
|
2.0 |
|
99 |
|
none |
Apple Pay, Google Pay, Samsung Pay
Fly Sydney to London return
239,200 points
Fly Sydney to Melbourne one-way
15,600 points
$100 Giftcard
20,900 points
$100 Cash
40,000 points
1 point per dollar on Visa, up to 80000 points per year
Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
You can redeem flights via Velocity, Emirates Skywards or Krisflyer programs or by booking through the Suncorp Travel Centre.
Spend $40,000 (Visa)
Spend $20,900 (Visa)
Spend $15,600 (Visa)
Spend $239,200 (Visa)
at 80,000 points yearly
Never
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
18.45% p.a. |
|
none |
|
No current offer |
|
none |
|
19.45% p.a. |
|
55 |
$65.00 |
|
none |
|
none |
|
none |
|
$30.00 |
|
3.50%, min $3.50 |
|
3.40% |
|
$14.00 |
|
$14.00 |
|
$65.00 |
$30.00 |
|
2.0 |
|
99 |
|
none |
Apple Pay, Google Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Fly Sydney to London return
110,400 points
Fly Sydney to Melbourne one-way
8,000 points
$100 Giftcard
19,010 points
$100 Cash
-
0.4 points per dollar on Visa, up to 32000 points per year
Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
All rewards are redeemed via Qantas Frequent Flyer.
Spend $47,525 (Visa)
Spend $20,000 (Visa)
Spend $276,000 (Visa)
at 32,000 points yearly
Never
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
18.45% p.a. |
|
none |
|
No current offer |
|
none |
|
19.45% p.a. |
|
55 |
$114.00 |
|
none |
|
none |
|
none |
|
$30.00 |
|
3.50%, min $3.50 |
|
3.40% |
|
$14.00 |
|
$14.00 |
|
$114.00 |
$30.00 |
|
2.0 |
|
99 |
|
none |
Apple Pay, Google Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 33 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
American Express
Platinum Edge Credit Card
20.74% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
75,000
0.5 points up to $100,000/year
St.George
Amplify Rewards Platinum
Rewards
$99 $29 in the first year
100,000
1 point uncapped
American Express
Platinum Edge Credit Card
Membership Rewards
$195 $0 in the first year
No current offer
1 point uncapped
David Jones
American Express Card
Qantas Frequent Flyer
$99
No current offer
0.5 points uncapped
Bank of Melbourne
Amplify Rewards Platinum
Rewards
$99 $29 in the first year
100,000
1 point uncapped
American Express
Cashback Credit Card
Cashback Rewards
$120 $0 in the first year
No current offer
1 point uncapped
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 20 months then 11.99% p.a.
$45
Great Southern Bank
Low Rate Credit Card
0% p.a. for 33 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
St.George
Amplify Rewards Platinum
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$99
Qantas Frequent Flyer
Bank of Melbourne
Amplify Rewards Platinum
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$99 $29 in the first year
Rewards
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 33 months and then 21.74% p.a.
$49 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 33 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year