- Multiple cardholders, all with individual limits
- Low interest rate
- Up to 55 days interest free on purchases
- Free additional cards for business partners or staff
Offering small business owners the opportunity to manage their cash flow more effectively, the Queensland Country Visa Business Credit Card provides up to 55 days interest free on purchases, with a low annual fee and low purchase rate. Accountholders can apply for multiple cards set with individual limits, to then earn points on the Rewarder Business program.
Keeping things nice and simple, the Queensland Country Visa Business Credit Card can be a great tool for small business owners looking to streamline their finances. Instead of dipping into petty cash – or worse, using a personal credit card – this option allows business owners to easily track and manage business spending day to day.
For a low annual fee, accountholders can apply for multiple cards, to then set individual spending limits for each cardholder. Keeping track of cardholder spending is made easy with detailed statements provided for both the business and for each individual’s cardholder spending.
One of the most appealing aspects of this card may be its interest free feature. With up to 55 days interest free on purchases, this can help accountholders to manage their spending, easing cash flow while keeping interest costs at zero. Note, to take advantage of this feature, you will need to clear the balance by the due date each month. If you are unable to do this, you can work on keeping costs down with the card’s low interest rate.
But of course, there is more to this card than just money saving. As an accountholder, you will be automatically signed up for the Rewarder Business program at no additional cost. This allows you to earn points on all cardholder spending, which is then accumulated and can be spent anywhere in Australia that accepts EFTPOS.
There wasn’t much information available regarding the Rewarder Business program. While Queensland Country directs applicants to check out the program brochure, this was nowhere to be found. If you want to apply for this card, it would be wise to find out the earn rate on this card, and what points earned convert to in terms of dollar value.
If you want a fairly simple business rewards card, the Queensland Country Visa Business Credit Card could be well worth a second look. While there are other business cards out there offering more in the way of features, if simple is all you need, there’s not much point paying extra for those extras.
If you tend to carry a balance, this card could help you keep costs down with its low purchase rate, When you do clear your balance, you can work on keeping interest costs at zero by taking advantage of the card’s interest free feature. As for those rewards, they seem pretty simple, and could provide a great way to reward yourself, your team or your business.
A basic business card option, the Queensland Country Visa Business Credit Card offers up to 55 days interest free on purchases, a low annual fee and interest rate, and the opportunity to earn rewards on cardholder spending.
Purchase rate 12.95% p.a.
Cash advance rate 12.95% p.a.
Interest free period on purchases up to 55 days
Minimum credit limit $1000
Maximum credit limit N/A
Annual fee $90 p.a.
Additional cardholder fee N/A
Foreign transaction fee 1.5%
Minimum repayment 3% or $20 whichever is greater
Cash advance fee Domestic Free; International $4
Late payment fee N/A
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Permanent Resident or New Zealand Citizen
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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