suncorp travel card review

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Suncorp Cash Passport Review

Learn about the Suncorp Cash Passport in this review to help you decide whether this is the card for you.

• Use the Cash Passport App
• Load up to 10 currencies
• Lock in exchange rates
• Use at over 35.9 million Mastercard locations
• No set up or reload fees when you order online

Pros and cons of using Suncorp Cash Passport

• Free replacement card
• 24/7 Global Assistance
• No international ATM withdrawal fees
• Greater of 1.1% of $15 initial and reload fee
• Domestic bank ATM withdrawal fee
• $10 closure fee

Benefits of the Suncorp Cash Passport

• Top up online, and check your balance via the Cash Passport app, or online/phone

Convenience

• Chip and PIN protected with signature panel
• 24/7 Global Emergency Assistance
• Free second back-up card provided
• Free replacement card in event of lost or stolen cards

• Withdraw local currency at over 2.1 million ATMs worldwide
• Use online, pay directly through Mastercard merchants or withdraw at any ATM
• Enables you to load both AUD and foreign currencies directly onto the card
• Unlimited reloads

Manage Your Money

• Lock in exchange rates and avoid fluctuations

All prices are in AUD

* Foreign currency conversion is charged when you spend in a currency that is not loaded or supported on the card

**The MasterCard rate is the exchange rate determined by MasterCard to be their wholesale rate or the government mandated rate in effect in the day the transaction is processed by MasterCard.

No International ATM withdrawal fee (fee may be imposed by ATM operator

2.95% domestic ATM withdrawal fee

Currencies and Countries

Currencies supported.

• Australian dollars (AUD)
• US dollars (USD)
• Great British pounds (GBP)
• New Zealand dollars (NZD)
• Hong Kong dollars (HKD
• Canadian dollars (CAD)
• Singapore dollars (SGD)
• Thai baht (THB)
• Japanese yen (JPY)

Load Amounts

• Minimum Load: $100 (BPAY and Debit)
• Maximum Load: $100,000, $25,000 (via BPAY), $15,000 – $60,000 (via Debit, depending on time period)

Transaction Limits

• ATM Withdrawal Limit (24 hours) : AUD 3,000 (or currency equivalent)
• POS Transaction Limit (24 hours): AUD 15,000 (or currency equivalent)

Lola goes on skiing holidays up to 3 times a year, either in New Zealand, Japan or Canada. Every time she leaves, she buys her currency in cash and sometimes when it runs out, she uses her Debit card abroad. Lola became increasingly frustrated with being subject to the charges of exchange rate fluctuations and overspending her AUD while abroad. What Lola didn’t know was that Suncorp offered a Cash Passport that avoided all exchange rate fluctuations, as well as having unlimited reloads – handy if she ever bought too many beers after the slopes! She could pay with ease via the Cash Passport app for her skiing activities, as well as hotels and dining knowing that her budget was protected.

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Suncorp Credit Cards

Suncorp clear options platinum credit card.

Updated 14 March 2024

Enjoy 120,000 bonus Suncorp Credit Card Rewards Points when you apply by 29 May 2024 and spend $3,000 on eligible transactions in the first 90 days from approval. Plus, save with 0% p.a. for 9 months on balance transfers. Reduced annual fee of $99 for the first year. Reverts to cash advance rate. No interest free days are available on retail purchases while you have a balance transfer. T&Cs apply.

Points Earn Rate (per $1 spent)

1.25 points

Rewards Program

Suncorp Rewards

Bonus Points

120,000 pts

Spend $3,000 in the first 90 days

Annual Fee (p.a.)

first year then $129

• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend

My monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

• Pros & cons
• Rates & fees
• Rewards & points
• Eligibility

Pros and cons

• 120,000 bonus Suncorp Rewards Points when you spend $3,000 on eligible transactions in the first 90 days from approval
• Reduced annual fee of $99 on the first year, $129 thereafter
• 0% p.a. for 9 months on balance transfers. Reverts to cash advance rate.
• Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent
• Rewards program is compatible with Qantas frequent flyer program
• 24/7 Personal Concierge Service
• Complimentary Overseas Travel insurance
• Complimentary Interstate Flight Inconvenience insurance
• Complimentary Purchase Cover insurance
• Complimentary Extended Warranty cover
• Up to four additional cardholders for no extra cost
• Up to $30,000 credit limit if meeting customer criteria
• Qantas Frequent Flyer reward point earn rate is 0.5 reward points for every $1 spent and capped earn at $8,000 per statement period

Creditcard.com.au review

Editor review, the suncorp clear options platinum credit card.

Looking for some nice, clear options when choosing your next credit card? How about the Suncorp Clear Options Platinum Credit Card? Okay, bad joke. Seriously though, this is a pretty decent card, with pretty decent intro offers on the table.

Yep, with this card, you can enjoy 120,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on eligible transactions in the first 90 days from approval, and 0% p.a. for 9 months on balance transfers. Not bad at all.

The chunk of bonus points this card offers can be redeemed for flights, accommodation, and exciting products at partner stores, making it a suitable option if you are planning to go on a trip or simply looking to boost your points balance.

If you have an existing card debt, taking advantage of the 0% balance transfer intro offer can help you clear your balance faster.

This card also offers a very workable rewards program and some very nice features. Want to find out more? Let’s get into it.

What we love…

So we’ve covered the intro offer, now let’s look at what else this card provides. This is a platinum rewards card. That means it offers some handy platinum perks, as well as a rewards program with a respectable earn rate.

If you opt for the Suncorp Bank Rewards Program, you can earn 1.25 Suncorp Rewards Points for every $1 spent on the card. This can be redeemed for travel, merchandise, gift cards and more. Alternatively, you could choose to join the Suncorp Bank Qantas Frequent Flyer program, where you would earn 0.5 Qantas Points for every $1 spent.

On to the platinum perks. You will usually notice certain similarities between platinum cards and their perks. Platinum cardholders have come to expect certain niceties, don’t you know. This platinum card, like many others, offers a range of complimentary insurances.

In terms of travel cover, cardholders can enjoy the peace of mind from having international travel insurance, transit accident insurance and interstate flight inconvenience insurance. Purchases are also covered, under the card’s guaranteed pricing scheme and purchase cover.

Anything else in the way of platinum extras? Cardholders can benefit from the services of a personal concierge, available 24/7. There are also special offers and discounts to be had, offering exclusive tickets to sporting, music and theatre events, dinner and travel packages, sightseeing tours and more.

What’s not so great…

No one likes being a downer, but here goes. The purchase rate like most rewards cards, is high at 20.74% p.a.

You’ll also have to pay $49 per year if you choose to earn rewards on the Suncorp Bank Qantas Frequent Flyer program.

Why should you choose this card?

If you’re looking for a decent rewards card with some very nice platinum features, this card may well be for you. You can earn points as you spend, plus you can have up to four free additional cardholders helping you accumulate points. If you need a higher than average credit limit, you may get approved for up to $30,000 on this card, and if you need it, you can enjoy up to 55 days interest free on retail purchases.

Overall Rating

Nice rewards card with a respectable earn rate, some very pleasant extras and a suitably lovely bonus introductory offers.

User reviews

Suncorp clear options platinum credit card ( based on 14 creditcard.com.au user reviews ), 55% rating based on 14 reviews, customer service, 86% of users who have rated this card would recommend it, review the suncorp clear options platinum credit card.

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Personal Finance Expert - Creditcard.com.au

the refund process takes months, and the citibank representing Suncorp and asks you a lot of questions. and there are some hidden transaction fees.

Rates and fees

Interest rates.

Purchase rate 20.74 % p.a.

Cash advance rate 21.99 % p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0 % p.a. for 9 months

Balance transfer revert rate 21.99 % p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Brands you can't balance transfer from Bank of Queensland, Citi, Coles, IMB, Qantas Money, Suncorp, Virgin Money

Credit limits

Minimum credit limit $6,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $129 p.a.

Additional cardholder fee Up to 4 at no extra cost

Foreign transaction fee 3.40%

Minimum repayment 2% or $30 (whichever is greater)

Annual fee the first year $99

Cash advance fee 1.50% (international); $3.50 or 3.5%, whichever is greater (domestic)

Late payment fee $30

Rewards and points

Rewards program

Bonus points 120,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in the first 90 days

Earning points with this card

Rewards Rewards points 1.25 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Guaranteed Pricing Scheme

The Suncorp Clear Options Platinum card offers rewards 1.25 point earned per $1 spent alongside a platinum concierge, with the option to opt in to a Suncorp Qantas Frequent Flyer rewards scheme. With the Suncorp Platinum, you can enjoy the flexibility of higher credit levels as well as benefit from a great rewards system. The rewards points are convertible to Qantas Frequent Flyer points, and are uncapped and do not expire as long as the account is open.

Key features

• 120,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Australian Permanent Resident

Minimum income of $35,000 p.a.

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

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

38 questions (showing the latest 10 Q&As)

Mervyn ryan, jennifer egan, laurene mary king, kevin foster, charles n csabi, globalspark, travis jones, brodie johnson, featured credit cards.

$1 earn rate  

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Apply by 28 May 24

Qantas American Express Ultimate Credit Card

60,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

Earn rate per $1

Bonus points.

Go to offer

save card more info

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

Adjust the filters to see how much you could save with a balance transfer to a new credit card

My transfer amount $5000

My interest rate 19.49%, my annual fee $50.

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• Copyright 2005-2021 CreditCard.com.au Pty Ltd
• ABN: 76 646 638 146
• ACR: 528318
• AFCA: 80717

Select the reward programs you like

Select the features you like

Adjust the filters to see how much points you could earn over 12 months

My monthly card spend $5000

Benefits i like

• All reward programs
• Airport lounge access
• Balance transfers
• Bonus points offer
• No annual fee
• No foreign transaction fee
• Overseas travel insuarance
• Uncapped points earn

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Suncorp Rewards

The suncorp rewards program offers you points for everyday credit card spending, which you can redeem for gift cards, frequent flyer point transfers, cashback and more. here’s how it works..

In this guide

How to earn Suncorp Rewards points

What rewards can you get with suncorp rewards, how much are suncorp rewards points worth, how to redeem suncorp rewards points, how to decide if the suncorp rewards program is worth it for you, frequently asked questions.

If you have an eligible Suncorp credit card, you'll earn Suncorp Rewards points per $1 spent on eligible transactions. This covers most of your everyday spending, including when you buy groceries, fill the car with petrol, book a holiday, dine out and pay for most healthcare appointments.

Transactions that don't earn points usually have a financial aspect to them. With Suncorp Rewards, this includes cash advances, balance transfers, BPAY payments, business operation costs (unless it's a business card) and government-related transactions.

Suncorp Rewards credit cards

Want to earn qantas points instead.

If you have a Suncorp Clear Options Platinum Card or a Suncorp Clear Options Business Card, you can choose to get Qantas Points instead of Suncorp Rewards points. Here are the key details:

• Suncorp Clear Options Platinum : Earn 0.5 Qantas Points per $1 on eligible spending, up to $8,000 per statement period. A $49 p.a. annual rewards fee applies for choosing the Qantas Frequent Flyer option.
• Suncorp Clear Options Business : If you choose the Premium Rewards Membership option for a fee of $69 p.a. per card, you can redeem your Suncorp Rewards points for Qantas Points. With this option, 2.5 Suncorp Rewards points is equal to 1 Qantas Point.

Rewards are how you get value from the points that you earn. In general, the more points you have, the bigger the rewards.

The Suncorp Rewards program gives you a lot of ways to redeem your points, with the following key categories:

• Gift cards. Redeem points for digital gift cards and vouchers with brands like Bunnings Warehouse, JB Hi-Fi and Woolworths.
• Cashback. According to the Suncorp Rewards website, you can use your points for cashback on your account. This includes general cashback rewards, as well as Select+Credit to pay for part or all of a purchase you've made with the card. But the website requires you to log in to see details about this type of reward.
• Flights, accommodation and car hire. Suncorp has partnered with several travel, car hire and accommodation companies, allowing you to pay for these bookings using your Suncorp Rewards points.
• Apple merchandise (shop with partners). You can use Suncorp Rewards points to pay for Apple products, including iPhones and iPads, with Points Plus Pay available.
• Annual fee credit. If you want to save on credit card costs directly, you can redeem Suncorp Rewards points as credit towards the annual fee.
• Charity donations. You can redeem points for a donation to charities such as the Australian Red Cross and Starlight Children's Foundation.

Point transfers

If you have a Suncorp Platinum or Business account, you can transfer points to your Velocity, KrisFlyer or Flybuys account.

The transfer rates may vary depending on your Suncorp Rewards account. But, as a guide, the Suncorp Rewards website has listed the following exchange rates for people who are not logged in to their rewards account:

• Singapore Airlines KrisFlyer: 2.5 Suncorp Rewards points = 1 KrisFlyer Mile
• Velocity Frequent Flyer: 2 Suncorp Rewards points = 1 Velocity Point
• Flybuys: 1.33 Suncorp Rewards points = 1 Flybuys point

To give you an idea of the potential value of a point transfer, transferring 12,400 Suncorp Rewards points to Velocity Frequent Flyer would give you enough for a one-way economy flight from Sydney to Melbourne (from 6,200 Velocity Points, not including fees and taxes).

Points-to-dollars calculator 💵

Estimated value.

Keep in mind that each reward is worth a different amount in dollars and some rewards don't have a clear dollar value. This is typical for most rewards programs.

To give you an idea of the different values offered by rewards, here are some examples based on details publicly listed on the Suncorp Rewards website.

From these examples, the charity donation offers the best value at $5.49 per 1,000 points redeemed, while the iPad Pro offers the lowest value per 1,000 points at $3.41.

If there are other rewards you want to get, or if the values shown are different when you log in, you can use Finder's guide to calculating the values of reward points for any redemption.

How to get the most value from Suncorp Rewards

Always choose rewards that you want or need, so you can at least save some cash. If there's nothing you want, keep saving points until you have enough for a reward you do want.

If you're planning to travel in the future, keep point transfers in mind as frequent flyer programs typically offer the most value per point when they are redeemed for flights.

You can redeem your Suncorp Rewards points online in 3 steps:

• Go to https://www.suncorpbankrewards.com.au/ .
• Sign in to your account. This will show you the most accurate details of rewards and how many points you need.
• Choose the reward you want and follow the prompts to redeem it.

If you have questions or want to talk through the rewards available, call Suncorp on 13 11 55.

For some people, the value of rewards can help offset credit card costs like the annual fee. But for others, the rewards won't be worth it.

So, here are the key factors you should look at to decide if Suncorp Rewards (or any other program) is right for you.

• The cost of the card. The card's annual fee and interest rate for purchases are key costs to weigh against the value of rewards and other perks.
• How much you'll use the card. The main way you earn Suncorp Rewards points is by using your credit card for eligible spending. Think about how much you'll spend with the card each month or year, and how many points per $1 that will get you, to see how much value you can expect to get from rewards.
• If there are rewards you actually want. There is a good mix of ways to redeem your Suncorp Rewards points, including frequent flyer point transfers, gift cards, cashback and charity donations. But the value of any reward ultimately comes down to how much you want or need it – so take a look at exactly what's on offer to help you decide if this rewards program is a good fit for you.

What if I don't have enough points for a reward?

Suncorp Rewards has a Points Plus Pay option for some rewards. When it's available, you can use a combination of points and Australian dollars to redeem your reward. For the portion that you pay for in cash, you can choose to use your credit card or a debit card.

If I transfer my Suncorp Rewards points to a frequent flyer program, will they expire?

It depends on the loyalty program that you transfer your points to, but once your points have been transferred, they are subject to the rules of that loyalty program. So check the terms and conditions for that program to see if and when they would expire.

No. The account you're transferring points into must be in the same name as your Suncorp Rewards account.

How can I contact Suncorp if I have a question or need to change my details?

You can go to the website and use the search function to find what you need, at Banking Frequently Asked Questions (FAQs) | Suncorp Bank or call Suncorp on 13 11 55.

Where can I find my points balance for the Suncorp credit card rewards program?

You can check your points balance and account details by logging in at www.suncorpbankrewards.com.au . Once you're signed in, go to "Home", then "My Account", then select the "Points Balance" option.

This will display details about your transactions for the current month, including when you earned points or if you redeemed them. It also has options for viewing transactions and balances for previous months.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

More guides on Finder

This Suncorp credit card lets you choose to earn Qantas Points for a $49 yearly fee, and offers complimentary international travel insurance. So is it worth it?

A platinum card with 120,000 bonus Suncorp Credit Card Rewards Points, a balance transfer offer and complimentary insurance covers.

Find out about the different types of complimentary travel insurance you'll get with a Suncorp Clear Options Platinum Card and what's offered on other cards.

With additional cardholders, interest-free days on purchases and a choice of rewards, will this Suncorp credit card fit with your business goals?

The Suncorp Bank Clear Options Standard Card offers a 0% introductory balance transfer offer, along with a low ongoing purchase interest rate and annual fee. Check out its other features here.

This is one of only a handful of gold credit cards on the market in Australia, and it also offers rewards. Check out its other features here.

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14 Responses

Do you offer Westfield and Bunnings gift vouchers

Thanks for your inquiry.

Kindly note that finder.com.au is an online comparison service that does not represent financial institutions such as Suncorp.

It would be best to directly get in touch with Suncorp’s representatives instead to clarify on this matter. That said, I have forwarded their contact details to your email for your reference.

I hope this helps.

Cheers, Ally

How do I redeem points when I do not have an online account

Hi Frank, thanks for your inquiry!

You can also contact Suncorp Rewards on 13 11 75 to redeem.

Is BPay transaction treated the same way as a Visa transaction to earn rewards points with the Suncorp Clear options Platinum Credit card?

Hi Rob, thanks for your inquiry!

BPAY transactions can earn reward points with Suncorp Clear Options Platinum.

I would like to transfer my Suncorp Visa (business) credit card points to Qantas points,

Please advise how I proceed to do this?

I would appreciate a response as soon as possible.

Kind regards Max

Hi Max, thanks for your inquiry!

Unfortunately Qantas is not a partner with Suncorp. As a Suncorp Bank Rewards Credit Card Member you have access to KrisFlyer, Emirates Skywards and Velocity airline partners.

Could you advise if travel points are continuing to be able to transferred to velocity under the reward program. I thought I received a notification saying that this option wont be available after 1 October. I have a gold visa card. Thank you

Thanks for your question.

Unfortunately I can’t any reference to the information you’ve provided. I’d recommend that you get in touch with Suncorp directly to confirm that this is the case starting 1 October.

Sorry that I couldn’t be much of a help.

Cheers, Shirley

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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• Delta SkyMiles Blue Card

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• Key takeaways

Is the Delta SkyMiles Blue card worth it? 

Delta skymiles blue card rewards, delta skymiles blue card benefits, delta blue card fees, rates & limit, how the delta blue card compares, is the delta skymiles blue card right for me, how do i apply for the delta blue card, faq: delta skymiles blue card.

Delta SkyMiles Blue Credit Card: Good for Occasional Delta Flyers

• The Delta SkyMiles® Blue American Express Card is a simple travel rewards credit card that earns miles for every qualifying purchase.
• What we think: The Delta SkyMiles Blue card is not nearly as perk-heavy as other Delta cards, but if paying an annual fee for an airline credit card isn’t something you want to do, this is a decent option. However, if you fly frequently, you’ll certainly find more value in a higher-tier card.
• If you spend $1,000 in six months after opening the account, you’ll earn a welcome bonus of 10,000 SkyMiles. 
• The Delta SkyMiles Blue card has no annual fee or foreign transaction fees ( see rates and fees ).
• Restaurant orders, including takeout and delivery in the U.S., earn 2 miles per dollar.

If you’re not a regular traveler, it can be hard to get enough value from a premium travel credit card to justify the annual fee. That’s where the Delta SkyMiles® Blue American Express Card comes in — this card gives you the opportunity to earn SkyMiles without paying an annual fee.

In this guide, we’ll explain everything you need to understand about this Delta card from American Express , including:

• How to earn and redeem Delta SkyMiles rewards
• Cardholder benefits
• Fees and interest rates
• No annual fee
• 20% in-flight savings
• Easy-to-earn welcome bonus
• Low earning rate
• No free checked bags
• No priority boarding

If you’re loyal to Delta but don’t travel frequently, the Delta SkyMiles® Blue American Express Card could be a good option. 

It offers an easy way to earn SkyMiles on your everyday purchases, so you can save money on flights in the future — and you don’t need to pay an annual fee. Plus, you’ll get a few perks that come in handy on vacation and in real life, including car rental insurance and purchase protection.

Pros and cons of the Delta SkyMiles Blue card

• Solid welcome offer
• Straightforward SkyMiles earnings tiers
• Discount on Delta in-flight purchases
• No intro APR offer

Learn more about Delta SkyMiles Blue card

Terms apply / Rates & fees

The Delta SkyMiles Blue card from American Express is a co-branded card; instead of points, it earns Delta SkyMiles. That’s a great perk, especially if you tend to fly Delta more than other airlines.

Welcome bonus

If you spend up to $1,000 in the first six months of having the Delta SkyMiles Blue card, you’ll earn a welcome bonus of 10,000 miles. Only purchases of goods and services count toward this spending threshold; fees and interest charges, prepaid card purchases and gift cards do not.

Keep in mind that American Express may decide you’re not eligible for this welcome offer if you’ve ever had one of the following cards:

• Delta SkyMiles® Gold American Express Card
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Reserve American Express Card

Earn Delta SkyMiles Blue rewards

The most exciting aspect of this SkyMiles credit card is, of course, the rewards. There are three easy-to-understand earnings tiers. You’ll earn 2 Delta SkyMiles per dollar for every purchase you make at restaurants and directly with the airline. For all other eligible purchases, you’ll earn 1 mile for every dollar you spend. If you’re a Delta flyer, it’s relatively easy to accrue miles — a $500 flight earns 1,000 SkyMiles.

Redeem Delta Blue rewards

Delta and American Express offer a variety of ways to redeem the SkyMiles you earn with your Amex Delta Blue card. One of the most popular is the Pay with Miles option. When you book a flight on Delta, you can redeem miles to pay for part or all of the flight. Every 5,000 miles gives you up to $50 off the cost, which is a maximum value of 1 cent per mile.

However, it’s important to note that you can only redeem blocks of 5,000 miles. If your flight isn’t an exact multiple of $50, you’ll lose a bit of value. To pay for a $175 flight entirely with rewards, you’ll need to redeem 20,000 miles.

Can’t fly with Delta? You can also use SkyMiles to book SkyTeam Alliance flights. Member airlines include KLM, AirFrance, AeroMexico, Virgin Atlantic and Korean Air.

Other ways to redeem your Amex Delta SkyMiles rewards include:

Once you book a flight on Delta, use your SkyMiles to purchase an upgrade or select a preferred seat.

Checked bags:

Use miles to cover the fees for standard checked bags. This option is only available at a few airports in the United States.

Hotel stays:

With Delta Stays, you can use SkyMiles to pay for hotels.

Charity donations:

Don’t need your miles? Donate them to charity through Delta, and they’ll go to organizations that help children, veterans and natural disaster victims, among others.

Delta Vacations:

Make a booking through Delta Vacations, and you can use miles to pay for some or all of the cost.

Magazine subscription:

Choose from a wide variety of magazines, including Better Homes & Gardens and InStyle.

Premium drinks in Delta Sky Club lounges:

There’s no need to shell out for an expensive gin fizz the next time you’re in a Sky Club; just use your miles to cover the cost.

Delta Sky Club lounge memberships:

If you’re a SkyMiles Medallion Member, you can use your SkyMiles to buy lounge memberships. An individual annual membership is 69,500 miles, which is a value of $659.

Delta SkyMiles Experiences:

Get access to one-of-a-kind experiences, ranging from special chef dinners to VIP seating at sporting events — then pay for them with miles.

SkyMiles aren’t the only perk you get with a Delta Blue card from American Express. Your card also entitles you to a variety of benefits you can use while traveling or going about your life.

Travel benefits

Taking a trip? Make sure you’re taking advantage of these Delta SkyMiles card benefits:

• Car rental insurance:  With the Delta SkyMiles Blue card, you don’t need to worry if your rental car is damaged or stolen. As long as you book and pay for it with your card — not with miles — you’ll be covered for up to $50,000.
• In-flight savings:  Pay for food and drinks with your Blue card on a Delta flight, and you’ll automatically get a statement credit that equals a 20% discount.
• Global Assist Hotline: In trouble on the road? The Global Assist Hotline can help you access a range of services, including referrals for medical or legal assistance. It can even wire you cash if you can’t access it otherwise.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Shopping and entertainment benefits

If you love to shop and seek out entertainment experiences, these Delta SkyMiles Blue card benefits may save you money:

• ShopRunner membership:  Your Delta SkyMiles Blue card entitles you to free two-day shipping if you enroll in a ShopRunner subscription.
• Amex Offers:  Use your Delta Blue card to enroll in Amex Offers, and you can earn extra SkyMiles on certain deals.
• American Express Experiences: Get access to exclusive tickets for events, including concerts and sporting events; these deals are available only to American Express cardholders.
• Send & Split: This special feature allows you to split payments with friends who use PayPal or Venmo — without ever logging into either platform. You can manage the split right in the American Express app.

Protections and assistance

If you love to shop, these Delta SkyMiles Blue card benefits can help you save:

• Purchase protection:  When you make a purchase with your Delta Blue card, American Express will reimburse you if it’s damaged or stolen in the first 90 days of ownership. That means if your brand-new laptop is stolen, you can get your money back — coverage includes up to $10,000 per item.
• Extended warranty: Get an extra year of warranty protection on eligible purchases with manufacturer’s warranties of up to five years. If you need to make a claim against the extended warranty, you can get up to $10,000 per item and $50,000 per card per year.

Before you make a final decision on the Delta Blue Amex card, make sure to consider the fees and interest rates ( see rates and fees ).

Delta SkyMiles Blue fees

When it comes to fees, the Delta SkyMiles Blue American Express card offers a good deal — you won’t pay an annual fee or foreign transaction fees.

Here are the card’s standard fees:

• Annual fee: $0
• Foreign transaction fee: $0
• Balance transfer fee: N/A
• Cash advance fee: The greater of $10 or 5% of the transfer
• Late or returned payment fee: Up to $40

Delta SkyMiles Blue card interest rates

Your Delta Blue card from American Express includes a variable annual percentage rate (APR) of 20.99% to 29.99%. American Express will determine your APR based on your application and credit profile.

Here’s a look at variable APRs available at Delta SkyMiles Blue card:

If you make a late payment or if your bank returns a payment, American Express is within its rights to switch you to a penalty APR of 29.99%. It may not, depending on your creditworthiness and account history. After you’re hit with the penalty, this APR will stay for a minimum of six months.

Delta SkyMiles Blue credit limit

If American Express approves you for the Delta SkyMiles Blue card, your credit limit will be assigned based on a range of factors. This might include your income, credit history, credit score, debt and other factors the issuer decides are relevant. Most cardholders have a limit of at least $1,000; yours may be considerably higher.

Compared to other Delta airlines cards , the Delta Amex Blue card is a pared-down option.

Although it earns miles and offers a few perks, it doesn’t include benefits that are standard on other cards — namely, free checked bags. If you travel frequently, you’re probably better off getting a different card; the lack of bag fees alone will likely make up for the annual fee. If not, this card is a solid option; it’s a basic airline credit card with no annual fee.

Delta SkyMiles® Blue American Express Card vs. Delta SkyMiles® Reserve American Express Card

American Express issues both the Delta SkyMiles Blue and Delta SkyMiles® Reserve American Express Card , but they sit at opposite ends of the travel card spectrum. While the Delta Blue is a no annual fee card , the Reserve will run you a whopping $650 per year ( see rates and fees ). 

The Reserve is geared toward frequent travelers — it comes with $2,500 Delta Medallion Qualification Dollars per year, free access to Delta Sky Clubs, a free round-trip companion certificate each year, and more. The Blue card, on the other hand, is intended for occasional travelers who are Delta-loyal.

Read our full Delta SkyMiles Reserve card review

Delta SkyMiles® Blue American Express Card vs. Delta SkyMiles® Gold American Express Card

The Delta SkyMiles® Gold American Express Card falls somewhere between the Blue and the Reserve cards. It has a $150 annual fee after the first year ( see rates and fees ). For that, you get a free checked bag, priority boarding, a $100 credit to Delta Stays and a $200 Delta flight credit after you spend at least $10,000 in a year. Plus, you’ll earn 2 SkyMiles for every dollar spent, compared to the 1 mile per dollar with the Blue card. 

If you’re a somewhat regular traveler but not quite ready for a luxury card, the Gold card is better than the Blue — it only takes five flights to make up for the annual fee in checked bag fees alone.

Read our full Delta SkyMiles Gold card review

Delta SkyMiles® Blue American Express Card vs. Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is a general travel credit card; instead of SkyMiles, it earns points that you can redeem for travel. You’ll need excellent credit to be approved for this Capital One card , compared to the good credit that’s required for the Delta SkyMiles American Express card.

Both cards eliminate foreign transaction fees, but the VentureOne is accepted in more places around the world — an important consideration if you plan to travel internationally.

Read our full Capital One VentureOne card review

You might choose the Delta SkyMiles Blue Card if you’re a Delta fan and you’re searching for a basic rewards credit card .

It’s an effective way to earn SkyMiles on your everyday purchases — and with no annual fee, you don’t have to worry about getting your money’s worth in perks. As long as you can spend an average of $167 per month in the first six months, you’ll earn a 10,000-mile welcome bonus.

If you don’t travel often, one of these general rewards cards may suit you better:  

• Amex Blue Cash Preferred card
• Capital One Venture X Rewards card
• Chase Sapphire Preferred card

You can learn more about the Delta SkyMiles® Blue American Express Card and apply online. 

To get approved for the Delta Blue card, you’ll need good to excellent credit . 

While American Express doesn’t give a credit score requirement, this usually means 690 FICO score or higher. When you apply, expect to provide your employment information and financial details.

What credit score do you need for Delta SkyMiles Blue American Express card?

There are no hard and fast credit score rules for the Delta SkyMiles Blue card, but you will likely need a minimum score of 690 to get approved. The decision will take into account factors that might include your score, credit history and income.

Is the Delta SkyMiles Blue credit card good?

The Delta SkyMiles Blue credit card is good if you’re a loyal Delta flyer and you want to earn SkyMiles. It doesn’t offer many perks, but it comes with a $0 annual fee.

Do you get a free checked bag with the Delta SkyMiles Blue card?

No, you don’t get a free checked bag with the Delta SkyMiles Blue card.

What is the credit limit for the Delta SkyMiles Blue American Express Card?

The credit limit for the Delta Blue card from American Express varies based on your qualifications.

What are the benefits of Delta Blue Card?

The Delta Blue Card comes with benefits that include rental car insurance, purchase protection, extended warranty coverage and access to American Express experiences and offers.

Elizabeth Smith is an experienced travel and finance writer who specializes in topics including credit cards, travel insurance, and personal finance. Travel insurance, in particular, has both professional and personal significance for Smith. She’s traveled to 73 countries, and has extensive experience choosing and using various policies — she understands how valuable the right plan can be in an emergency, and loves to help readers find the perfect fit.

Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing.

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* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. Our goal is to help you make sound financial decisions and confidently choose your next credit card.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users. We don’t feature all products and services available on the market but provide a wide range of options from top providers offered through Bankrate. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

View Bankrate’s privacy policy .

We can offer our services thanks to partners that compensate us. This may affect which products we write about and where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products; all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who review and rate each product independently.

At LA Times Compare, our mission is to help our readers reach their financial goals by making smarter choices. As such, we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information that aligns with the needs of the Los Angeles Times audience. Learn how we are compensated by our partners.

Visa Debit Cards

Shop online, overseas, or ‘Tap to Pay’ with Visa payWave.

Made from 82% recycled material re-purposed from post-industrial sources.

A quick and convenient way to pay with your own money

Suncorp Bank’s Visa Debit cards come with Visa payWave technology for 'Tap to Pay' payments and are made from 82% recycled material re-purposed from post-industrial sources.

They also include features to assist customers living with visual impairments, such as tactile dots to distinguish between cards and a thumb insert to correctly orientate cards into terminals.

Our Visa Debit cards are linked with Everyday Options, Everyday Essentials, Carbon Insights Account and Business Premium transaction accounts.

Multi Award-Winning Visa Debit Cards for International Travel*

Awarded 2 years in a row 2022 and 2023

Everyday Options Account with a Suncorp Bank Visa Debit card

Everyday Essentials Account with a Suncorp Bank Visa Debit card

Awarded in 2023

Carbon Insights Account with a Suncorp Bank Visa Debit card

Convenience

• Use your Visa Debit card to withdraw money at ATMs and EFTPOS machines.
• Make purchases online, in person or over the phone.
• Visa payWave is a contactless payment method which offers a quick and easy way to pay for items under $100. You can pay for purchases $100 and over with payWave, you just need to enter a PIN to authorise the transaction. 

Visa Zero Liability

Cardholder’s liability is limited to zero for unauthorised transactions, provided the cardholder notifies Suncorp Bank of unauthorised Visa transactions, and there is no evidence of cardholder negligence, fraud or collusion.

• You’re covered by Visa’s Zero Liability  policy for unauthorised transactions.
• Your card is embedded with the latest EMV microchip technology, which provides both data protection and transaction security, for greater protection against fraud.
• When you're shopping online with your Suncorp Bank Visa Debit card at retailers who have signed up to Visa Secure or eftpos Secure , you may be asked to enter an SMS code before finalising your purchase. This ensures only you, the authorised cardholder, can use your Suncorp Bank Visa Debit card to make online purchases. If you do not have your mobile number registered with us, it may be necessary for you to contact the bank directly.

As a Suncorp Bank Visa Debit cardholder, you have access to exclusive Australia and Overseas offers and perks provided by Visa, including:

• Discounts on hotels, car rentals and travel experiences
• A wide variety of shopping deals
• Offers on sports and entertainment
• Access to exclusive lifestyle events

Find your favourites in Visa Offers and Perks

Please refer to Visa’s website for full terms and conditions and availability and eligibility of offers and discounts.

Make sure you are eligible

• To have a Suncorp Bank Visa Debit card you'll need to apply for an  Everyday Account . Account owners must be 11 years or older (unless otherwise stated on the Product Information Document) and a permanent resident of Australia.
• To be eligible for a Suncorp Bank Visa Debit card you must be 16 years of age or over and a permanent resident of Australia. If you are not eligible, you will receive a Suncorp Bank eftpos card instead.
• Withdrawing your money is fee-free # from Suncorp Bank ATMs, atmx and the ATMs of any Big 4 bank.
• There are no foreign currency conversion fees and no cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a Visa Debit card. Holders of other transaction account types with a Visa Debit card may be charged a foreign currency conversion fee or a cash advance fee when using an ATM overseas. The foreign currency conversion fee for Visa Debit cards is 3% of the converted Australian dollar transaction amount, made or charged to your account. 

For more information on fees and charges, please read the relevant Product Information Document & Terms and Conditions  before making any decisions regarding these products.

The combined cash out and withdrawal limit for ATMs and EFTPOS is $1,000 per day per card. This limit can be increased to $2,000 per day per card by contacting us on 13 11 55 or visiting your local Suncorp Bank branch. Please be aware by increasing the cash withdrawal limit, you will increase your liability in the event of unauthorised transactions.

There are different limits for withdrawals made online. Learn about online banking withdrawal limits .

Disputing a transaction 

As a Visa Debit cardholder, if you believe a transaction was not authorised or processed in accordance with your authority, you may have a right to recover the value of the transaction in accordance with the chargeback rules. Common chargeback reasons include unauthorised transaction, not receiving goods or services, duplicated transactions, cancelled membership or subscription, or a refund not being processed.​ ​

The fastest and easiest way to dispute a Visa Debit card transaction is through the Suncorp Bank App.  Learn more about how to dispute a transaction .​

​For a transaction that you authorised, try resolving the issue with the merchant first. This is often the quickest option. If you’re not able to resolve the issue with the merchant, you can dispute a Visa Debit card transaction through the Suncorp Bank App. 

Ready to apply for an Everyday Account?

Visa Debit Cards are available with our  Everyday Accounts .

# Terms and conditions apply. Find out more on our Suncorp Bank ATMs page .

Banking products issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No. 229882 Australian Credit Licence 229882 (Suncorp Bank). Please read the relevant Product Information Document before making any decisions regarding these products. Terms and conditions, fees and charges may apply and are available on request.

Visa functionality provided by Visa Inc.

Canstar Awards:

• Suncorp Bank Visa Debit cards linked to Everyday Options Account and Everyday Essentials Accounts were awarded  Canstar's  Outstanding Value Travel Debit Card Award 2022 and 2023.
• Suncorp Bank Visa Debit cards linked to Carbon Insights Account were awarded Canstar's  Outstanding Value Travel Debit Card Award 2023.

 Mozo Awards:

• Suncorp Bank Visa Debit cards linked to Everyday Options Account were awarded Mozo's Experts Choice Award 2022 and 2023 for Travel Debit Cards.
• Suncorp Bank Visa Debit cards linked to Carbon Insights Account were awarded both Mozo’s Experts Choice Award 2023 for Travel Debit Cards.

†  Terms and conditions apply. Find out more on our  Suncorp Bank ATMs page . Suncorp Bank does not charge foreign conversion fees or cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a linked Visa Debit Card. Some overseas ATM providers may charge you fees for transactions. For more information, please read the relevant  Product Information Document & Terms and Conditions  applicable to your account.

*A Suncorp Bank Visa Debit card is available to eligible Suncorp Bank customers who hold an eligible Suncorp Bank transaction account.

About Suncorp Bank

Our products, help & support, learning & resources.

What's carbon neutral certification?

Suncorp Bank acknowledges the traditional custodians of the land on which we conduct business and pay our repsects to Elders past, present and emerging.

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© Copyright Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 (“Suncorp Bank”). Registered office: Level 23, 80 Ann Street, Brisbane QLD 4000. In accessing Suncorp's site you agree to our  Online Terms & Privacy Statement . Please ensure that you read these before accessing the site.

COOKIE AND DATA POLICY We use cookies and other related technologies to improve and tailor your website experience. See our  Cookie and Data Policy . This policy provides information about how Suncorp collects and uses data related to your online activity, and how you can choose to remain anonymous.

Products and services including banking and insurance (including home and car insurance) are provided by separate companies in the Suncorp Group. Suncorp Bank is only liable for the banking products or services it provides and not the products and services of the other companies in the Suncorp Group. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statements before you make any decision regarding these products. The Target Market Determination  are also available. Copies of historical TMDs for credit card products can be obtained by calling  13 11 55 .

Carbon Neutral Certification

In Australia, carbon neutral certification is governed by Climate Active. For an entity to be certified as carbon neutral, it must meet the requirements of the Climate Active Carbon Neutral Standard. This means that to achieve certification an entity must measure emissions, reduce these where possible, offset remaining emissions and then publicly report on its achievements. 

Carbon neutral claims must be independently validated by an independent third party.