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

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: Food enthusiasts and frequent diners looking for cashback rewards on their dining expenses.

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

With no annual fee in the first year and high cashback rates on dining, this card is great for food lovers. However, the lower cashback on other purchases might not appeal to those with diverse spending habits.

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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.

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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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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