Counter advice, no bank jargon

Which card is right for you? Ask at the counter.

Tell us your situation. We show the real yearly cost first, then the perks — and say plainly who should skip a card.

Take a number: what is your situation?

  1. My first card Easy approval, low limit to start
  2. Low Interest Lower rates if you carry a balance
  3. No annual fee Pay nothing just to keep it
  4. Cashback Money back on everyday spending
  5. Miles and travel Lounges, miles, fewer foreign fees
  • Real yearly cost before perks
  • No one can promise approval — we never do
  • Fine print explained in plain words

Recently added

B

BDO Visa Gold Credit Card

 Visa

Who it's for: Best for frequent travelers and high spenders looking for rewards and travel perks.

  • Annual fee ₱3.5k
  • Rewards 1%
  • APR 36%

This card is a solid pick for frequent travelers and those who appreciate rewards on their spending.

Recommended View card

B

BPI Amore Cashback Card

 Visa

Who it's for: Families with a monthly supermarket spend of at least PHP 30,000 looking to earn cashback without annual fees.

  • Annual fee No annual fee
  • Rewards 0.3%
  • APR 36%

The BPI Amore Cashback Card is excellent for families who frequently shop at supermarkets, thanks to its cashback rewards. However, the high APR of 36% may deter those who carry a balance.

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M

Metrobank M Free Mastercard

 Mastercard

Who it's for: Best for individuals seeking a straightforward credit card to earn rewards on everyday purchases without annual fees.

  • Annual fee No annual fee
  • Rewards 1%
  • APR 24%

The Metrobank M Free Mastercard is an economical choice for casual spenders looking to earn rewards without annual fees.

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H

HSBC Philippines Gold Visa Cash Back Credit Card

 Visa

Who it's for: This card is best for frequent diners looking to earn cashback on their dining and shopping expenses.

  • Annual fee No annual fee
  • Rewards 5%
  • APR 34.68%

The HSBC Gold Visa Cash Back Credit Card is a solid choice for those who frequently dine out and want to maximize cashback on their spending.

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U

UnionBank Rewards Credit Card

 Visa

Who it's for: Best for consumers who frequently shop and want to maximize rewards without worrying about annual fees.

  • Annual fee No annual fee
  • Rewards —
  • APR 36%

The UnionBank Rewards Credit Card is ideal for those looking to earn points on everyday purchases without an annual fee.

Recommended View card

B

BDO Visa Platinum Cashback

 Visa

Who it's for: Best for individuals who frequently dine out and shop at department stores, looking to maximize their cashback rewards.

  • Annual fee ₱3.5k
  • Rewards 3%
  • APR 36%

This card is great for foodies and grocery shoppers who want to earn cashback on their everyday purchases.

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