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Suncorp Clear Options Business

Advertiser disclosure

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

  • Clear Options Business

    Rewards: n/a

  • Clear Options Business (Rewards)

    Rewards: Suncorp Rewards

  • Clear Options Business (Qantas Rewards)

    Rewards: Qantas Frequent Flyer

Purchase rate
18.45% p.a.
Balance transfer rate
No current offer
Annual fees
$45
Interest free days on purchases
55
Purchase rate
18.45% p.a.
Balance transfer rate
No current offer
Annual fees
$65
Interest free days on purchases
55
Purchase rate
18.45% p.a.
Balance transfer rate
No current offer
Annual fees
$114
Interest free days on purchases
55

Mozo editorial review Suncorp Clear Options Business

Last updated: 15 October 2020.

binocular icon
What's hot
  • Up to 99 additional cardholders
  • Rewards Membership options
  • 2020 Mozo Experts Choice Award winner
What's not
  • $30 late payment fee
Mozo snapshot

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.

key icon
Key features

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.

snapshot
Who is it good for

Business owners with large teams will likely appreciate the Suncorp Clear Options Business Card, given it allows for up to 99 additional cardholders.

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Any catches

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.

Details

Rates and fees information correct as at 30 November 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 18.45% p.a.

  • none

  • No current offer

  • none

  • 19.45% p.a.

  • 55

Fees
  • $45.00

  • none

  • none

  • none

  • $30.00

  • 3.50%, min $3.50

  • 3.40%

  • $14.00

  • $14.00

  • $45.00

Features
  • $30.00

  • 2.0

  • 99

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Rewards program details

Rates and fees information correct as at 30 November 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

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

Points earning

1 point per dollar on Visa, up to 80000 points per year

Rewards scheme

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.

Value of rewards points

Spend $40,000 (Visa)

Spend $20,900 (Visa)

Spend $15,600 (Visa)

Spend $239,200 (Visa)

at 80,000 points yearly

Never

How do we calculate the rewards?

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.

Close

Rate and fee details

Rates
  • 18.45% p.a.

  • none

  • No current offer

  • none

  • 19.45% p.a.

  • 55

Fees
  • $65.00

  • none

  • none

  • none

  • $30.00

  • 3.50%, min $3.50

  • 3.40%

  • $14.00

  • $14.00

  • $65.00

Features
  • $30.00

  • 2.0

  • 99

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 30 November 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,770 points

$100 Cash

-

Points earning

0.4 points per dollar on Visa, up to 32000 points per year

Rewards scheme

Redeem your points for travel, gift cards, retail rewards and shopping gift cards.

All rewards are redeemed via Qantas Frequent Flyer.

Value of rewards points

Spend $46,925 (Visa)

Spend $20,000 (Visa)

Spend $276,000 (Visa)

at 32,000 points yearly

Never

How do we calculate the rewards?

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.

Close

Rate and fee details

Rates
  • 18.45% p.a.

  • none

  • No current offer

  • none

  • 19.45% p.a.

  • 55

Fees
  • $114.00

  • none

  • none

  • none

  • $30.00

  • 3.50%, min $3.50

  • 3.40%

  • $14.00

  • $14.00

  • $114.00

Features
  • $30.00

  • 2.0

  • 99

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

This product is not currently reviewed.

Suncorp

About Suncorp

See Suncorp business credit cards

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20.74% p.a.

No current offer

$129

Westpac

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13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

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St.George

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13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

CUA

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0% p.a. for 20 months and then 21.74% p.a.

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ME

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11.99% p.a.

No current offer

$0

Defence Bank

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

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Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

20.74% p.a.

0% p.a. for 22 months and then 20.99% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

100,000

1 point up to $10,000/month, then
0.5 points uncapped

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

St.George

St.George

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

Citi

Citi

Rewards - e-voucher Offer

Citi Rewards Program

$199 $99 in the first year

No current offer

1 point up to $10,000/month

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

Amplify Rewards

$99 $0 in the first year

No current offer

1 point uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

St.George

St.George

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

First

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

20.24% p.a.

$30

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 19.74% p.a.

$99 $0 in the first year

Amplify Rewards

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Bank of Melbourne

Bank of Melbourne

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

St.George

St.George

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59