UnionBank Rewards Credit Card

Earn rewards points on all purchases with the UnionBank Rewards Credit Card, which offers no annual fee if you meet the spending requirement.

Last checked on June 11, 2026. We may earn a commission when you click through.

✓ No annual fee if spending requirement is met ✓ Earn points on all purchases ✓ Visa card accepted globally

UnionBank Rewards Credit Card

Visa · travel

Our Verdict Recommended

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

What it really costs

Annual feeAnnual fee applies, waivable with spend	No annual fee
APR Range	36% – 36%

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Who it's for

Best for consumers who frequently shop and want to maximize rewards without worrying about annual fees.

Watch out

Be mindful of the high APR if you carry a balance, as it could lead to significant interest charges.

The good and the not so good

No annual fee if spending requirement is met
Earn points on all purchases
Visa card accepted globally
Flexible redemption options

High APR of 36%
Points may expire if not used
Limited perks compared to premium cards

In-Depth Review

For those seeking a straightforward rewards credit card, the **UnionBank Rewards Credit Card** offers a practical solution. With **no annual fee** applicable if you meet the spending requirement, it allows users to earn points on every purchase. This makes it appealing for everyday shoppers looking to maximize their rewards. However, the card comes with a **high APR of 36%**, which can be burdensome for anyone who tends to carry a balance. Users should be cautious, as this can significantly increase the total cost of borrowing. Moreover, while the points earned can be redeemed flexibly, they do expire if not utilized within a certain timeframe. Compared to other cards like the **BPI Rewards Card**, which offers additional benefits such as cashback and travel insurance, the UnionBank card may seem limited. However, its simplicity and no annual fee structure can be attractive for users who want to avoid complicated terms. According to the issuer's site, **points can be redeemed for various products or services**, making it a versatile choice for many. In summary, this card is a good fit for those who prioritize earning rewards without the burden of annual fees. Just ensure that you pay off your balance each month to avoid the steep interest charges that could negate the benefits of earning points.

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